Creating a world where everyone has a decent place to live

How to Qualify


Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.  Habitat for Humanity of Louisa County chooses partner families for the homeownership program based on the following four criteria:

  1. Live or Work in Louisa County for at Least One Year Prior to Applying

           Our need is so great in our county, we must limit our service area to Louisa County.

  1. Demonstrated Need for Decent, Affordable Housing

         Potential homebuyers may find themselves in need of decent shelter due to a variety of circumstances –

  • Living in poorly built, unhealthy, damaged or inadequate housing.
  • Living in overcrowded housing conditions.
  • Paying excessive home rental expense. A family should not have to spend more than 30% of their income for housing, not including utilities.
  • Experiencing homelessness.
  • Inability to access adequate housing through conventional means


  1. Ability to Pay an Affordable Mortgage

         Habitat offers homebuyers an affordable monthly mortgage payment.  Mortgage payments are cycled back into the community to help build additional Habitat houses.

          The gross annual household income must be between 25% and 60% of the Louisa County average median income and is dependent upon family size.

           # in Household                       Income Range

            1 person                               $13,025 – $31,260

            2 persons                              $14,875 – $35,700

           3 persons                              $16,725 – $40,140

           4 persons                              $18,575 – $44,580

           5 persons                              $20,075 – $48,180

           6 persons                              $21,550 – $51,720

        * For more than 6 persons, please call us

  • Applicant must show documentable income for a period of two full years prior to application.
  • Habitat does not require perfect credit and does not have a minimum credit score requirement for new home builds. We are able to approve applicants with less than perfect credit histories if we see evidence of a willingness and ability to honor one’s obligations, as well as see the opportunity that any credit problems can be brought under control by the time the homebuyer moves into their home.
    • Total long term (10 or more months to pay off), recurring monthly debts, to include estimated mortgage, should not exceed 43% of family’s gross monthly income.


  1. Willingness to Partner

Your family and Habitat will become a team.  You must be willing to help build your house or the homes of others in our homeownership program, attend classes and provide necessary information when needed. 

Still have questions, call to speak with our Homeowners Services Team!

**Homebuyers were selected in January 2021 for the two homes being built in 2021.  Our next Application Cycle is tentatively planned to open in Spring of 2022.

Habitat for Humanity adheres to the Federal Equal Credit Opportunity Act, which prohibits us from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age.