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Homeownership Program

With Affordable Mortgages

Applications open June 1st.

With community partners and donors, we build homes and provide pathways to affordable home mortgages, especially because the 2024 median home price in Powhatan is $467,000, according to the Virginia Association of Realtors. 


If you would like to help offset our building cost, please donate here.

Read below to learn what is required for our homeownership partnership program and what to expect during the application process.

Eligibility Requirements

 Have A Housing Need

To qualify you must have a housing need such as:
 

  • poor heating

  • leaks in the roof

  • overcrowding

  • unsafe or unsanitary conditions

  • cannot qualify for a conventional mortgage, or have more than 30 percent of gross monthly income going to your housing

Be A Powhatan Resident

You need to have lived or worked in Powhatan County for the last 12
months.

Applicants must be a U.S. citizen, a U.S. non-citizen national, or a
qualified alien.

Have the Ability to Pay

Your household should have had steady annual income for the past two years.

Meet the minimum income guidelines as outlined in the table below.

Income Guidelines

Annual gross household income is the amount of  yearly income before taxes .

Household Size

Minimum Gross Annual Income

Maximum Gross Annual Income

1

$40,000

$63,600

2

$40,000

$72,650

3

$40,875

$81,750

4

$45,400

$90,800

5

$49,032

$98,100

6

$52,664

$105,350

7

$56,296

$112,600

8

$59,928

$119,900

Attend A

Pathways
Information Session

1

Submit A

Pre-Application by June 30, 2025

2

Submit Full Application & Qualify for Loan

3

Partner Finalists

Meet Family

Services Committee 

4

Partner Selected

5

Selected Partner signs Partnership Agreement

6

7

Sweat Equity Begins

Home Dedication

and Closing

8

The Application Process

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Complete the Pre-Application 

Click the button below to download the pre-application along with instructions for submitting your packet.

Email our Family Services Coordinator, Christy Whitver, with any questions you may have about this process:  christyw@habitatpowhatan.org

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Quick Links

Tel: (804) 594-7009

1922 Urbine Rd, Powhatan, VA 23139, USA

ReStore Open Thursday - Saturday 10 am - 4 pm

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©2019 by Habitat For Humanity - Powhatan.

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Habitat for Humanity - Powhatan is a tax-exempt 501(c)3 nonprofit organization.  

Habitat for Humanity - Powhatan is an Equal Opportunity housing agency and Equal Opportunity, Affirmative Action employer. 

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