home-builds
Homeownership Program
With Affordable Mortgages
With community partners and donors, we build homes and provide pathways to affordable home mortgages, especially because the 2025 median home price in Powhatan is $499,500 as of June 2025, 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. We will announce when we reopen applications for our Homeownership Partner Program through social media and on this website.
To learn about our eligibility requirements, scroll down to read more. If you have additional questions, please contact Christy Whitver, homeowner services director.
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.
2025 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 the Designated Deadline
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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