Owner Occupied Housing Rehabilitation (Albemarle County and the City of Charlottesville)
Long lasting repairs and improvements to homes of eligible families. Ensuring each home meets HUD Minimum Property Standards.

Emergency Home Repair (Albemarle County)
Repairs to structural defects that place either the occupant or structure in imminent danger. Services to owner occupied and rental housing.

First Time Homeownership
Working with families through Albemarle County’s Home Buyer Education Program to purchase their first home.

Section 8 Assisted Affordable Rental Housing
Providing 96 apartments at Whitewood Village and 12 single family homes throughout the city and county as affordable rental.

More than 3,000 homes in the area qualify as "substandard," according to the Albemarle County Housing Advisory Committee. More than half of these homes are owned or occupied by low-income families that are unable to afford repairs. Habitat for Humanity, a world-wide nonprofit organization made famous by the involvement of former President Jimmy Carter, helps solve the problem of substandard housing, one family at a time.

A Helping Hand . . . Not A Hand Out

Habitat homeowners are referred to as “Partner Families”. Typically these families have been renting substandard housing or live with family in severely overcrowded substandard conditions. Habitat serves anyone who is living in substandard housing, whose income is 25% and 45% of area median income, who is willing to partner by contributing “sweat equity” into the new home, and participate in the Homebuyer’s Club. Currently there are 46 Partner Families working through Habitat towards homeownership - five from The Salvation Army’s Transitional Housing Program, and the balance from substandard and/or overcrowded conditions.

Housing, Community, and Economic Development Loans
Loans to individuals and families for home purchase and repair, and for business start-up or expansion; and Loans to organizations, including non– and for-profit developers for the development of affordable housing.

Housing Counseling
Counseling for first-time home purchasers, as well as fair-housing education.

Project Development
Development of affordable rental and ownership units.

Housing Rehabilitation: Owner occupied residents of the county and city at 80% of the median income or lower. Granted funds from the state / federal level are secured with a deed of trust. Home repairs to address health and safety issues as a priority. Housing Rehab is a comprehensive repair solution for the structure and home owner. The average median income of county clients served through this program is 35% and 37% for city residents.

Emergency Home Repair: Emergency assistance for owner occupied and rental properties. 80% of median income or lower qualifies for the program which strives to make quick fixes to emergency needs. Each home is then referred to Housing Rehabilitation. The average median income of clients served is 31%.

First Time Homeownership: Mortgage products available for buyers at or below 80% of median income, have good credit, have regular income, and some cash available as a down payment (typically 1% of contract price). Other funds are available to help with remaining down payment and closing costs. The average median income of our First Time Homebuyers is 43%.

Housing Counseling: Clients at 80% or less of AMI may enter the homeownership program, as long as they have the goal of home purchase, and are willing to attend counseling sessions and develop a plan in support of that ultimate goal. It is important to note that Housing Counseling does not in any way guarantee approval of a mortgage loan, since underwriting criteria must still be met, but it is an essential ingredient in greatly increasing the chances of loan approval. The Fair Housing program is open to anyone.

Project Development: Clients at 80% or less of AMI may qualify for rental units, and qualification for home purchase units is a function of the underwriting criteria of the specific mortgage loan.