Qualifications Overview

Are You Ready To Provide A Safe, Decent, Affordable Home For Your Family?

  1. Are you unable to obtain a conventional home loan?

  2. Is your current home overpriced, overcrowded or in disrepair?

  3. Are you willing to help us build your new home?

  4. Are you able to make monthly mortgage and escrow payments?

  5. All family members's income is included in the calculation of a family's total gross income

  6. Income from all wages, SSI, SSDI, food stamps, housing assistance, retirement, alimony, VA benefits, child support, etc are included

  7. The guidelines are annual (to convert monthly income to annual multiply amount by 12)

  8. Do you meet the income limits listed?

    # OF PEOPLE IN HOUSEHOLD MINIMUM* MAXIMUM*
    1 $17,300 $34,560
    2 $19,750 $39,480
    3 $22,200 $44,400
    4 $25,100 $49,320
    5 $29,420 $53,280
    6 $33,740 $57,240
    7 $38,060 $61,200
    8 $42,380 $65,160
    *Income levels are set annually by US Department of Housing & Urban Development and are 30-60% of the adjusted median income for Culpeper County. (Note: Minimum income limits have been adjusted to reflect the income required to afford the mortgage payment for the house size required for the family size.)

    *FY 2018 income limits summary--HUD

Please review ALL of the requirements under ELIGIBILITY, if you meet ALL of these requirements, then go to HOW TO APPLY.