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.
The program asks for
- 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
- 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.
- A home in Augusta County
It doesn’t cover
- Households above 80% of area median income
- Homes outside Augusta County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
80% of Augusta County’s area median income
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
Augusta County’s homesAugusta County’s homes, and the ones this program accepts
- 80% single-familysingle-family
- 3.3% townhousetownhouse
- 2.2% 2–4 units2–4 units
- 5.6% 5+ unitscondo & apartment buildings (5+ units)
- 9% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$306,100
Augusta County median home value
36.7%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Augusta County
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program before funds are reserved.
Contact Staunton-Augusta-Waynesboro Habitat for Humanity to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
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 homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required. Residency requirement: 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. 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.
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 homebuyers 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. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Augusta County homebuyersOther programs open to Augusta County homebuyers
- Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance ProgramUp to $40,000
- Closing Cost Assistance GrantGrant
- Down Payment Assistance GrantGrant
Whether two programs can be combined is up to each agency. Ask before you apply.
All 69 programs for Augusta CountyProgram terms are set by Staunton-Augusta-Waynesboro Habitat for Humanity and can change; confirm on the official site before you apply.