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Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program

Staunton-Augusta-Waynesboro Habitat for Humanity · Staunton, Virginia

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program?

Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Staunton, Virginia, administered by Staunton-Augusta-Waynesboro Habitat for Humanity.

  • Staunton-Augusta-Waynesboro Habitat for Humanity sells newly constructed homes to qualified first-time buyers at the cost of construction with a zero-interest mortgage. Buyers make monthly payments covering principal, taxes, and insurance escrow over a 20-30 year term, and must complete 200 sweat-equity hours per adult.

Do you have to pay it back?

Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Staunton-Augusta-Waynesboro Habitat for Humanity.

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

Who qualifies?

Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Residency: Must have lived or worked in Augusta County, City of Staunton, or City of Waynesboro for at least 1 year.
  • Citizenship or immigration status: U.S. citizen or legal permanent resident
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. 200 sweat equity hours per adult; non-medical delinquent debt must not exceed $1,000; demonstrated housing need; willingness to partner with Habitat; ability to pay an affordable mortgage; credit/background check. Next orientation June 24, 2026 at Waynesboro Public Library. Distinct from the DHCD-funded Habitat for Humanity Virginia Statewide DPA.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% AMI for the Staunton-Waynesboro MSA (HUD AMI).
  • 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?

Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program serves buyers purchasing in Staunton, Virginia.

How do you apply?

Applications for Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program go through Staunton-Augusta-Waynesboro Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Staunton-Augusta-Waynesboro Habitat for Humanity to reserve funds

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

  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.

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Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program, explained

A short, free course on Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program: what it is, who it is for, what the program sets and what your lender sets, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

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