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Habitat for Humanity Peninsula and Greater Williamsburg

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program

Up to $0 toward a down payment in VA.

Location
VA
Type
First mortgage
Max assistance
$0
First-time buyer
Required
Property types
Single family

Habitat for Humanity Peninsula and Greater Williamsburg's First-Time Homebuyer Program helps lower-income families buy a newly constructed or renovated Habitat home financed with a zero-interest-equivalent (0%) 20-to-30-year mortgage. The affordable payment — no more than 30% of gross income including taxes and insurance — functions as the assistance in lieu of a separate down payment loan. There is no cash down payment; buyers complete at least 300 hours of sweat equity and required homebuyer education. Applications are accepted during an annual April round (2026 round closed; next opens April 2027).

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program, explained

A short, free course on Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer 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

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.