Looking to own a home?
At this time, applications to the Homeownership Program are not being accepted. To be notified by email about our next open application cycle, please click the button below to sign up for the Homeownership Program alert.
Please review the Homeownership Program qualifications and process information on this website. If you have specific questions after reviewing this information, please email Homeowner Services at homeownership@loudounhabitat.org or by following this link.
Qualifications
| Family Size | Minimum Income | Maximum Income *May be lower depending upon funding source |
| 1 | $32,500 | $85,625 |
| 2 | $37,150 | $97,812.50 |
| 3 | $41,800 | $110,062.50 |
| 4 | $46,400 | $122,250 |
| 5 | $50,150 | $132,062.50 |
| 6 | $53,850 | $141,812.50 |
| 7 | $57,550 | $151,625 |
| 8 | $61,250 | $161,375 |
*Maximum income amount is dependent upon federal funding sources for individual homes and may be lower in certain instances.
Please note that not everyone who meets financial qualifications for the program will be approved. Anticipated home inventory and funding sources are considered.
Ability to pay is the criterion that requires Loudoun Habitat for Humanity to perform due diligence on the applicant’s creditworthiness to ensure that he or she can afford to pay the mortgage, other property costs and normal living expenses. Therefore, approved Partner Families to the Homeownership Program must have:
2 years of continuous employment history.
Have a minimum credit score of 620 and agree to the greatest extent possible, not to incur any new debt.
Have not had a foreclosure or bankruptcy within the last 4 years.
Meet the minimum income requirements and not exceed the maximum income for the program year.
Have a debt-to-income ratio below 43%.
Have stable and sufficient income capable of paying housing costs at 30% of gross income.
Have a minimum of $1,500 saved and agree to continue saving for the costs associated with purchasing and owning a home.
Judgements and liens on a credit report must be satisfied before an application can be approved.
Process
Click below to see more information about each phase in the process to homeownership. The process from applicant to homeowner typically takes 12 to 24 months.
Disclaimer: By providing my phone number to Loudoun Habitat for Humanity, I agree and acknowledge that Loudoun Habitat for Humanity may send text messages to my wireless phone number for any purpose. Message and data rates apply. You may be contacted about your application and you will be able to opt-out by replying “STOP”. If you prefer to be contacted by another means of communication, you may note that on your application. For more information on how your data will be handled, please see our privacy policy below:
Privacy Policy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.