Richmond Metropolitan Habitat for Humanity Homeownership
A Habitat home with an affordable mortgage for households whose current housing doesn't meet their needs, in exchange for sweat equity, homebuyer classes and budgeting sessions.
- Run by
- Richmond Metropolitan Habitat for Humanity
- Serves
- City of Richmond, Henrico County, Chesterfield County
- Phone
- 804-232-7001 ext. 160
- Last checked
Who it's for
- Households whose current housing is overcrowded, substandard, unsafe, unaffordable or not accessible, or who can't qualify for a traditional mortgage
- Income within Habitat's guidelines, with stable income for two years and a record of paying rent on time
- No unpaid non-medical charge-offs, collections or judgments, and debt payments no more than 13% of income
- U.S. citizens or permanent residents who pass a background check, in the City of Richmond, Chesterfield or Henrico
What you get
- A home with an affordable mortgage. Habitat says the projected payment won't exceed 30% of your gross income.
- Homebuyer Club classes and one-on-one budgeting meetings
How to start
- Check Habitat's homeownership page for its income guidelines and calculator.
- Email homeownership@richmondhabitat.org or call 804-232-7001 ext. 160 to ask whether applications are open.
Good to know
- You'll put in 200 hours of sweat equity through home builds, ReStore shifts, classes and budgeting meetings, so plan for the time.
See what else may fit
The free 2-minute check shows which assistance programs may match a home or area you're considering.
Similar programs
- HOME of VA First-Time Homebuyer Program · Nonprofit, HUD-approved counseling agency
- SCDHC Down Payment Assistance and Homebuyer Counseling · Nonprofit, HUD-approved counseling agency
- VIDA Matched Savings (through SCDHC) · Nonprofit
- SCDHC Financial Opportunity Center · Nonprofit
Sources
Program rules, amounts and funding change often, and funds can run out. Confirm everything with Richmond Metropolitan Habitat for Humanity before you rely on it. Martin Kurylowski and Real Broker, LLC are not affiliated with this program and are not lenders or administrators of any assistance program. You're free to work with any agent and any lender.