Loudoun Habitat for Humanity is NOT currently accepting Home Ownership applications.  To be notified when applications are being accepted, please click here to join our Home Ownership Program Alert list.

Individuals and families interested in learning more about our Homeownership program may attend a Home Buying Informational session.  Click here to learn more.  

For individuals and families in need of urgent assistance, there are a variety of organizations throughout Loudoun County that offer immediate housing assistance and other support services. Please review this list of other Local Housing and Community Resources for details and contact information.

Requirements to Become a Homeowner

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

 

1. Citizenship or Legal Resident

Citizenship or Legal Resident

To qualify for a Habitat home, you must provide proof of US citizenship, or a Permanent Resident Card, or Alien Registration Receipt Card with photograph (INS form I-551 or I-151). Individuals must have lived or worked in Loudoun County for the last 12 months.

 

3.  Willingness to Partner

Willingness to Partner

Unique to the Habitat model is the concept of forming a partnership with our families. Homebuyers are required to invest sweat equity volunteer hours when purchasing a Habitat home. Sweat equity is the unpaid labor invested by partners, their families and friends through construction work on homes and volunteering in the ReStore.  Sweat equity hours must be satisfied prior to mortgage closing and before moving into a Habitat house.

2. Need for decent, affordable housing

Demonstrable Need for Affordable Housing

Individuals and families must be in need of better living conditions. This includes living in overcrowded or deteriorating conditions, living with family or friends, or paying too much to rent a sub-standard house or apartment.  Applicants must meet local residency requirements by currently living and/or working in Loudoun County.
 

4.  Ability to Pay

Measurable Ability to Pay

Loudoun Habitat partners with deserving individuals—hardworking men and women who make enough money to pay a monthly mortgage, but not enough to qualify for traditional bank loans. Please reference the chart below to make sure your annual income falls within the qualifying ranges per number of people in the household.

 
 
Family Size Minimum Income Maximum Income
*May be lower depending upon funding source
1 $23,200 $46,386
2 $26,500 $52,984
3 $29,800 $59,582
4 $33,100 $66,180
5 $35,750 $71,478
6 $38,400 $76,777
7 $41,050 $82,075
8 $43,700 $87,374

Minimum & Maximum gross income limits are based on 30%-60% of Area Median Family Income (AMI) as set by HUD for the Washington DC Metropolitan Area FY2017.  *Maximum income amount is dependent upon federal funding sources for individual homes and may be lower than 60% AMI.

Other financial criteria that is considered when qualifying for Loudoun Habitat’s program:

  • Steady income for the past 12 months.
  • Reasonably good credit record with debts being addressed by timely payments or other special arrangements. Perfect credit is not required, we are looking for responsible applicants. Have not had a foreclosure or bankruptcy within two years.
  • Members of partner families (18 years or older) agree to perform a specified number of required sweat equity hours (volunteer hours that contribute toward the building or rehabilitation of a Habitat home). Sweat equity are 200 hours per family.
 
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