Greater Lynchburg Habitat for Humanity Homeownership Program
How much assistance
No-interest mortgage with payments capped at 30% of household income (Zero-Interest Loan)
No interest charged on mortgage. Monthly payments set at no more than 30 percent of household income.
Eligibility
- Income limits: 30-80% AMI
- First-time buyer required: No
- Geographic restrictions: City of Lynchburg, Amherst County, Appomattox County, Bedford County, and Campbell County
- Homebuyer education required: Yes
How to Apply for Greater Lynchburg Habitat for Humanity Homeownership Program
Step 1: Visit the Greater Lynchburg Habitat for Humanity website at lynchburghabitat.org to learn about the application process and upcoming information sessions. Attend a required homebuyer information session to learn about qualifications and program expectations. Submit a full application during an open application period, including proof of income, residency, and housing need. If selected, complete financial literacy classes, sweat equity hours, and other partnership requirements before closing on your home.
Notes
Requires 200 to 300 hours of sweat equity. Limited number of homes built each year. Application periods may not always be open. Financial literacy classes required before closing.