Are you eligible for the Habitat for Humanity of Culpeper County Homeownership Program?
Please answer the following questions.
| Are you a first-time homeowner? |
| Are you a Legal Permanent Resident of the United States? |
| Have you lived and/or worked in Culpeper County for at least 12 months? Affiliates for other areas can be found at habitat.org. |
| Does your yearly income fall within our income guidelines, which are adjusted for family size? ( Income includes wages, Social Security, disability, SSI, TANF and child support.) |
Annual Combined Household Income
| Members in Household | Minimum | Maximum |
|---|---|---|
| 1 | $21,000 | $41,940 |
| 2 | $24,000 | $47,940 |
| 3 | $27,000 | $53,940 |
| 4 | $29,950 | $59,880 |
| 5 | $32,350 | $64,680 |
| 6 | $34,750 | $69,480 |
| 7 | $37,150 | $74,280 |
| 8 | $39,550 | $79,080 |
| I can provide documentation that I meet the income requirements for the size of my family and realize failure to prove this income makes me unqualified for the program. |
| Do you have proof of one year of continuous income? |
| Do you have a minimum Credit Score of 640 or above? |
| Can you certify that it has been at least 18 months since you discharged any bankruptcies, and are you making regular, on-time payments on your debts? |
| Do you have a need for housing because your current housing is unaffordable, unsafe, or overcrowded? |
| Are you willing to agree to the savings requirements for closing costs? |
| Are you willing to partner with Habitat for Humanity and contribute a minimum of 250 hours of "sweat equity," helping to build your home as well as other families' homes, and attend educational workshops? |
| Are you willing to submit the following documents in order to apply? |
- 2 months of pay stubs
- Three previous year’s tax returns
- Bank statements and account numbers for all accounts held
- Copies of all monthly bills and expenses
- Verification of rent from landlord
- Two personal references (from employer, pastor or other professional)
| Are you willing to have a criminal background check to show that you have not committed a felony or have been dishonorably discharged from the military? |
If you have answered NO to any of the questions above, unfortunately, you will not be able to qualify for the Habitat Homeownership Program. If you answered YES to all above and/or want to learn more on the process, please click on the link to proceed. If you do not qualify and need immediate assistance, please click on the link for local resources that may be able to help.
