Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program

What is Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program?

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program is a first mortgage for homebuyers in Arlington; Fairfax County, Virginia, administered by Habitat for Humanity of Washington, D.C. & Northern Virginia.

• Habitat for Humanity DC-NOVA sells newly built or rehabilitated homes below market value to low- and moderate-income families who qualify for an affordable monthly housing payment. Buyers must demonstrate housing need, meet income and credit requirements, contribute sweat-equity volunteer hours building their home, and complete financial education. Applications are accepted first-come, first-served and processed when complete; an information session is required before applying.
• Homes sold below market value.
• Affordable monthly housing payment.
• Financial education and homeowner guidance.
• Connection to lender network and DPA programs.
• Funding comes from Nonprofit (Habitat for Humanity); donations, ReStore proceeds, and grants.

Do you have to pay it back?

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Washington, D.C. & Northern Virginia.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

• Families with low and moderate incomes; service population generally 30-80% of Area Median Income.
• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program can be used for Single Family, Townhouse, and Condo.

• New construction is eligible.

Where does it apply?

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program serves buyers purchasing in Arlington; Fairfax County, Virginia.

How do you apply?

Applications for Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program go through Habitat for Humanity of Washington, D.C. & Northern Virginia, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat pre- and post-purchase financial education classes (foreclosure prevention, home maintenance).

2. 2

   Contact Habitat for Humanity of Washington, D.C. & Northern Virginia to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.