Home Ownership for Low Income

Habit for Humanity of Greater Charlottesville partners with low-income families to help them realize the dream of homeownership.  Habitat homes are sold to partner families at cost (no profit to Habitat) with a no-interest mortgage. Because there are no labor costs, no profits for the builders, and no interest; most partner families pay less per month for their Habitat home than they paid in rent for a substandard dwelling.



Habitat volunteers work side-by-side with Habitat homeowners, known as partner families. The partner families invest hundreds of hours of their own labor, "sweat equity", into building their own houses and the homes of fellow partner families.