Home Ownership Program

We believe that everyone should have a safe, affordable place to call home. We know and have seen the data that homeownership helps people thrive physically, mentally and financially.

Habitat’s path to homeownership is a long-term partnership and commitment between Fauquier Habitat for Humanity and its partner families. The application process takes an average of three to four months, and the typical timeframe between approval for homeownership and purchase of a home is between 18 to 24 months. 

But while it takes hard work, time and dedication, the benefits are clear:

Affordability - Your monthly mortgage payments are kept affordable.

Financial Coaching - Free financial coaching focuses on your budget, helps you pay down debt, understand credit, and save for the future.

Training – Our homebuyer education courses help prepare you for the responsibilities of homeownership. 

Post-purchase support - Habitat provides resources for you after you purchase your home. This support includes things like home maintenance advice, helping you connect with your local community and providing guidance with finances after buying your home.

Program Requirements

Are you eligible to apply for Habitat for Humanity's partnership program?

Review our program requirements:

As active Partners in the journey to homeownership, eligible Habitat homebuyers must have lived in Rappahannock or Fauquier Counties for at least one year prior to application. 

The applicants are:

1.    In need of better housing 

Potential homebuyers may be experiencing problems with their current neighborhood such as environmental hazards or live in poorly built, unhealthy, damaged or inadequate housing. Alternatively, they may be experiencing homelessness or housing instability, pay rent that is unaffordable or live in overcrowded conditions.

2.    Willing to partner with Habitat 

Our homebuyers put in hundreds of hours of “sweat equity” (250 per adult) building their own homes or those of their neighbors. Individuals with disabilities or otherwise unable to work at job sites are offered other volunteer opportunities to fulfill these requirements. Sweat equity hours may also include meetings or classes in personal finances, home maintenance, community conversations and other activities that help ensure long-term stability and success.

3.     Able to pay (ability to pay)

In order to be able to pay an affordable mortgage, Maintain Annual Gross Income between 30% – 60% for your county of the area median income (see side chart) from initial intake to loan application.

Satisfactory credit history. You will be given the opportunity to attend a credit counseling course and start clearing credit problems before acceptance as a partner. Any judgments must be cleared prior to the completion of the home.

Stable, documented and adequate income (two year’s continuous employment, or social security/pension, permanent disability, court-ordered child support or a combination) to make the required $1,000 down payment and monthly mortgage payments.

4     Live, work or attend school in our service area for a minimum of one year.

5.    Income Guidelines

Habitat offers its program to families in specific income ranges, adjusted for the number of persons in your family. Income includes wages, SS, disability, SSI, TANF and child support. For our local Habitat, your total yearly gross household income must fall within the posted ranges in the sidebar.