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Down Payment/Closing Cost Assistance or Down Payment/Closing Cost Plus Program for first-time homebuyers purchasing a home either through the Affordable Dwelling Unit (ADU) program or purchasing an existing market rate home can borrow up to 10% of the sales price or $70,000, whichever is less. This loan is forgivable over 15 years. Public Employee Homeownership Grant Program (PEG) offers a grant of a secured loan to full or part-time public employees (Loudoun County Government, Loudoun County Public Schools, Constitutional Offices).

Building affordable homes for families in the City of Winchester and the counties of Frederick, Clarke, and Shenandoah. Homes are sold to partner families with a low interest mortgage. Habitat families are selected: 1) completion of application and credit report, 2) ability to pay mortgage, 3) inability to obtain conventional financing for a home, 4) living in substandard housing, 5) meet income requirements and 6) agree to partner with affiliate.

Home ownership program supports low income families in attaining affordable permanent housing. The program partners with the family and volunteers to build a simple, decent home. Families are expected to complete 200-500 hours (requirement based on family size) of sweat equity (volunteer labor) toward the building of Habitat homes. Families must participate in an educational program. The home is sold to the family at a minimal cost with a no interest mortgage.

Helps individuals prepare for home ownership and purchase. Serves the counties of Greene, Madison and Orange. ACCESSIBILITY: Fully accessible to persons with disabilities.

Dedicated to the elimination of poverty and substandard housing by working with people from all walks of life to develop communities by building decent houses in decent communities. Applications are submitted annually to the governing body.

Home ownership opportunities are available for low-income families who can repay a zero-interest mortgage on a home priced at cost (well below market price).

Habitat for Humanity builds and sells affordable housing to low- and moderate-income families. Construction or renovation of each Habitat house is a cooperative effort between volunteers, house sponsors and the buyer(s) of the house. Participating families provide at least 300 hours (called sweat equity) toward building their own and other families' homes. Homes are purchased with a zero-interest equivalent, 20 to 30-year mortgage.

Provides comprehensive housing counseling services, including outreach to potential first-time home buyers, to persons eligible for or assisted under home buying, home ownership or rental housing programs regardless of the program source. Provides foreclosure prevention counseling and assistance.

Habitat works toward this vision by building and improving homes in partnership with individuals and families in need of a decent and affordable place to live.

Provides an affordable housing program that builds simple, decent homes in partnership with low-income families and volunteers. Homebuyer families purchase the homes with a no interest mortgage. The process to become a homeowner takes 2-3 years.

Serve individuals and families through affordable homeownership and affordable repairs. To be considered for the program, applicants must have a demonstrated need for an improved housing situation, be able to pay an affordable mortgage or affordable repair loan, and be willing to parnter with Habitat by volunteering as able.

Habitat builds safe and decent homes with families using donated funds and materials, along with paid and volunteer labor and materials. The families purchase their homes with an affordable mortgage financed through Habitat.

Low-income individuals and families partner with Richmond Habitat to purchase a new or rehabbed home. Those purchasing from Richmond Habitat's program are required to partner with Habitat by volunteering on their home or the home of others in the program, volunteering at the ReStore and also attending educational classes. The program is an affiliate of Habitat for Humanity International; it shares its world wide goal of eliminating substandard housing. Families are selected on a non discriminatory basis and volunteers are welcome from all segments of the community.

Provides an organization devoted to building housing for the needy. Always looking for volunteers and donations.

Loudoun Habitat for Humanity partner with homebuyers, volunteers, donors, businesses and community organizations to transform lives and rebuild communities. Houses are sold at an affordable, no-profit rate to qualified home buyers who earn 30% to 80% of the area median income. Homebuyers complete volunteer hours (sweat equity) and attend classes to learn the skills needed to successfully own and maintain a home for the rest of their lives.

Home repair, nuisance code enforcement, and commercial facade loan program.

A comprehensive housing program that helps homeless families with children in Virginia to find the resources needed to rebuild their lives.

This homeownership program supports low income families in attaining affordable homeownership. The program partners with families and volunteers to build decent, affordable homes. The home is sold to the family with a no interest mortgage. Families are expected to complete a minimum of 300 hours of sweat equity (labor) toward the building of homes. Families must participate in educational programs, fundraising, building, etc. Applicants must show ability and willingness to pay the mortgage payments.

Builds houses to help disadvantaged, low income families from sub-standard housing, who are willing to help build their own home as well as other homes. Homes are built by volunteers and homeowners, known as partner families. Homes are sold to partner families with a no interest mortgage. Habitat families are selected: 1) completion of application and credit report, 2) ability to repay zero-interest mortgage, 3) inability to obtain conventional financing for a home, 4) living in substandard housing or homeless, 5) meet income requirements and 6) agree to partner with affiliate. Volunteers welcomed from all walks of life.

project:HOMES developes senior apartment communities and builds affordable homes. Help low-income and the elderly remain in their homes to comfortably age in place. Senior apartments include the William Byrd on Broad Street, Omni Park Place in Ashland and Parham Park Place I & II in Henrico.

This home ownership program supports low income families in attaining affordable permanent housing. The program partners with the family and volunteers to build a simple, decent home. Families are expected to complete 300 hours of sweat equity (volunteer labor) toward the building of habitat homes. Families must participate in an educational program. The home is sold to the family at a minimal cost with a no interest mortgage.

To provide eligible low-income families with assistance in purchasing their first home. Financial and Home Management counseling provided as well as down payment closing cost assistance, depending on income level.

Assists low and moderate income households purchase homes by helping pay down payment and closing costs. For more information, please call: Rental Office: (434)326-4672 Central Office: (434)326-4748

Habitat for Humanity uses tax-deductible donations of money and materials and volunteer labor to build or rehab homes in partnership with families who face significant challenges in becoming homeowners. Partner families are qualified based on their need for housing, their ability to pay for a mortgage, and their willingness to provide "sweat equity" volunteer labor. The family then purchases the home with a reduced rate mortgage and affordable terms for payment.

Habitat DC-NOVA provides a "hand up" to homeownership through sweat equity, donor generosity, volunteer labor and interest-free mortgages.