Where the reviewed rules apply

No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.

No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.

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Habitat for Humanity Middlesex Virginia Homeownership Program

Habitat for Humanity Middlesex

Eligible Middlesex County residents may purchase an affordable Habitat single-family home with a no-interest mortgage after selection, education and 400 sweat-equity hours.

Repayable loan

Coverage not confirmed

Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.

How and when you repayYou purchase a Habitat home and repay a no-interest mortgage. The affiliate does not publish one universal loan amount, term or monthly payment; those details depend on the selected home and underwriting.

These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.

See possible fitCompare

Visit official program site ↗

Applications never run through HomeBase.

Who can apply

About you

Applicant must be a U.S. citizen and have lived in Middlesex County for at least one year.
Applicant must be a first-time homeowner and demonstrate a current housing need.
Household must have qualifying income and demonstrate ability to make long-term mortgage payments and pay closing costs.
The affiliate reviews credit and criminal background.
Selected households complete 400 sweat-equity hours and required financial and homeownership workshops.

The program makes the final eligibility decision.

Full requirements, documents, and history

Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history

Conditions

Applicants must have lived in Middlesex County for at least one year, be first-time homeowners, show housing need and ability to repay, pass credit and background review, cover closing costs, complete workshops and contribute 400 sweat-equity hours.

Reader request

Want us to check this program?

Ask HomeBase to re-check Habitat for Humanity Middlesex Virginia Homeownership Program’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.

What can I combine this with?

Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.

Review possible combinations with Habitat for Humanity Middlesex Virginia Homeownership Program(12 to check)

Worth asking about(12)

No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.

Affinity HomeAdvantage Cash RewardsAffinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Albemarle County Homebuyer Assistance Program (ACHAP)Albemarle County Office of Housing / Piedmont Housing Alliance
A zero-interest, deferred-payment down-payment loan for eligible first-time buyers purchasing in Albemarle County.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Albemarle County Homebuyer Assistance Program (ACHAP).

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alexandria Employee Homeownership Incentive ProgramCity of Alexandria Office of Housing
$15,000 up to 80% AMI; $11,500 at 80%-120% AMI; $7,500 above 120% AMI, subject to current limits.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Alexandria Employee Homeownership Incentive Program.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alliant Advantage MortgageAlliant Credit Union
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Andrews Federal FHLB First-Time Homebuyer GrantAndrews Federal Credit Union through the Federal Home Loan Bank
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
APG Federal Credit Union 80/20 MortgageAPG Federal Credit Union
Eligible first-time buyers can finance 100% of an eligible primary-home purchase with an 80% first mortgage and 20% piggyback second mortgage, avoiding a cash down payment and PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at APG Federal Credit Union 80/20 Mortgage.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AppCAA First-Time Homebuyer Loan and SPARC ProgramAppalachian Community Action and Development Agency
Nonprofit loan packaging for USDA 502 Direct financing and access to a one-percentage-point SPARC mortgage-rate reduction.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AppCAA First-Time Homebuyer Loan and SPARC Program.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Apple FCU First-Time Home Buyer MortgageApple Federal Credit Union
A low- or no-down-payment first-time-buyer mortgage with up to 100% combined loan-to-value and reduced PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Arlington County Moderate-Income Purchase Assistance Program (MIPAP)Arlington County Housing Division
An open Arlington deferred second mortgage of up to 25% of the purchase price or $112,500 for down payment and closing costs, with shared appreciation at repayment.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Arlington County Moderate-Income Purchase Assistance Program (MIPAP).

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Arlington Moderate-Income Purchase Assistance Program (MIPAP)Arlington County Housing Division
An open 30-year, no-interest second mortgage of up to $112,500 for an eligible first-time Arlington buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Arlington Moderate-Income Purchase Assistance Program (MIPAP).

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Atlantic Union Bank Closing the Gap LoanAtlantic Union Bank
An Atlantic Union second-lien mortgage of up to 3% helps cover down payment and closing costs for an eligible primary-home purchase.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Atlantic Union Bank Closing the Gap Loan.

Can it be used on the same purchase as Habitat for Humanity Middlesex Virginia Homeownership Program (Habitat for Humanity Middlesex)?

Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.

If it can:
  1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?
  4. Which current written rules and conditions support this answer?

Thank you.
```
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.

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