Own a Home

Tired of renting? Affordable homeownership may be right for you. Habitat partners with people to help them build a place they can call home. Homeowners work alongside volunteers to help build their own homes, which they then purchase with an affordable mortgage.

Applications: Closed

Applications are currently closed. To be notified when they are about to close or open in the future, subscribe to our email list below.

Homeownership Program

  • Do you currently live in inadequate housing?

  • Are you living with family or friends because you do not have a home of your own?

  • Are you willing to help build your home and help build houses for others?

  • Do you have income sufficient to pay a no-profit, no-interest mortgage?


If you answered “yes,” a Habitat for Humanity home may be right for you! Habitat for Humanity offers an opportunity for families who would not typically qualify for a conventional mortgage to become homeowners.


Mortgages for Habitat Homes

  • No profit is made and no interest is added to the mortgage.

  • Payments are low and affordable.

  • You need to save money for a small down payment and / or closing costs.

  • You will be required to help build your house and help build houses for others.

Initial Qualifications

To begin the application process families must meet initial qualifications in order to apply. When you arrive at our office, we will ask you if you meet the following initial criteria:

  1. Permanent Resident or Citizen of the United States at time of application
  2. Resident living in Harrisonburg or Rockingham County for at least one year
  3. Source of income
  4. Willing to submit to a credit check
  5. Willing to partner with Habitat to work on your home


Qualification Process

  • Contact the Central Valley Habitat for Humanity office at 540-828-6288.
  • We will provide you with the details necessary to begin the application process.
  • We take applications in cycles, which we announce through email and social media. They may be for certain areas of Harrisonburg City or Rockingham County only.
  • The Family Selection Committee reviews the submitted information and makes recommendations to the Board of Directors.
  • The committee looks at several factors in evaluating your qualifications:
    • The housing in which you currently live
    • Your credit record
    • Your income qualifications and your ability to make regular mortgage payments
    • Your willingness to partner with Habitat
    • Your residency status
  • Once a family becomes a Habitat partner family, they help Habitat construct a simple, sustainable, energy efficient home. The house is built with the help of volunteer labor under trained supervision. Your house will be financed by Central Valley Habitat with a no-profit, no-interest loan.


“Sweat Equity”

“Sweat Equity” is required to become a Habitat homeowner. This means working side by side with volunteers on your house and other prospective Habitat homeowner houses.

  • You must work 400 hours if your family has two adults, or 200 hours for a single-adult family.

  • Family and friends may contribute up to 30% of your required sweat equity hours.

  • Hours can be earned in a variety of ways: Habitat office work, special events, homeowner education classes, and helping with construction of your house and other Habitat homes.

  • A family sponsor will help explain these opportunities to you.



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Reach Us

Central Valley Habitat
P.O. Box 245
205 Dry River Rd.
Bridgewater, Virginia 22812

(540) 828-6288


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