Everyone Deserves a Decent Place to Live

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time, and dedication. This helps ensure the long-term success of Habitat homeowners.
Why Apply?
  • Purchase a safe, decent, and affordable home
  • Build stability for your family’s future
  • Partner with Habitat to achieve your dream of homeownership
Applicant Requirements
To qualify, applicants must:
  • Live or work in Hanover or King William County for at least one year
  • Meet income guidelines (starting at $31,800, varies by family size)
  • Demonstrate financial responsibility (no outstanding collections or judgments)
  • Applicants must be able to qualify for mortgage financing
  • Commit to at least 200 hours of sweat equity (willingness to partner with Habitat)
  • Show a need for affordable housing (current housing is overcrowded, unaffordable, or substandard)
  • A $25.00 non-refundable application fee must be submitted with each completed application, paid via money order or check payable to Hanover and King William Habitat for Humanity
Application Window
  • Applications will be accepted October 1 – October 31, 2025. Please allow up to 30 days for evaluation.
  • *** For this application period, we have one lot located in Beaverdam, within 2 miles of the post office. We have another lot in King William, about 10 minutes south of the Mangohick Fire Department. ***
  • All applications must be received or postmarked between October 1 and October 31 to be considered.
  • Applications can be downloaded here or picked up in our administrative offices at 7193 F Stonewall Parkway, Mechanicsville, VA 23111
Contact Us
Kiyonda Tarrer, Homeowner Services Director
Phone: 804-569-6108 ext. 105
Email: ktarrer@hkwhabitat.org
✨ Don’t miss this opportunity to take the first step toward affordable homeownership with Habitat! ✨ 

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. This helps to ensure the long-term success of Habitat homeowners.

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment.

To qualify for Hanover and King William Habitat for Humanity’s homeownership program, an individual or family must meet the following homebuyer requirements.  Most mortgages are financed through an outside party.

  • Live or work in Hanover or King William County for at least one year
  • Meet income guidelines (starting at $31,800, varies by family size)
  • Demonstrate financial responsibility (no outstanding collections or judgments)
  • Applicants must be able to qualify for mortgage financing.
  • Commit to at least 200 hours of sweat equity (willingness to partner with Habitat)
  • Show a need for affordable housing (current housing is overcrowded, unaffordable, or substandard)
  • A $25.00 non-refundable application fee must be submitted with each completed application, paid via money order or check payable to Hanover and King William Habitat for Humanity

Hanover and King William Habitat for Humanity follow HUD income requirements. You can find their guidelines here.

Family Size:
  • One – $31,800 to $63,600
  • Two – $36,350 to $72,650
  • Three – $40,900 to $81,750
  • Four – $45,400 to $90,800
  • Five –  $49,050 to $98,100

Hanover and King William Habitat for Humanity follows HUD income requirements. You can find their guidelines here. If you have specific questions about income qualifications, feel free to contact ktarrer@hkwhabitat.org.

Not quite ready for homeownership, but want to get ready? Check out these resources for credit counseling and financial education.

Check Out a Habitat Home with our Former Executive Director: