Send us an email
1000 characters left

Upcoming Events  




Check our Current Build Schedule Tab for dates!


Contact Us  


105 Crofton Plaza

Suite 9

Palmyra, VA 22963


Send us an Email


Please contact us to schedule an office appointment.





“The future belongs to those who believe in the beauty of their dreams”    -Eleanor Roosevelt


Home ownership through Habitat for Humanity

Fluvanna County Habitat for Humanity builds approximately two homes per year.  Once or twice a year we hold a” Habitat Orientation Meeting” for those families interested in becoming Habitat Homeowners.  The date of the meeting is posted on this website on the home page as well as on flyers distributed throughout the county.

Here are some other commonly asked questions:

How does Habitat work?

Habitat for Humanity (HFH) builds houses in partnership with qualifying families, using as much donated labor as possible.  HFH then sells the houses at  low interest, making them affordable.

Who qualifies for a Habitat Home?

  • Families that currently live or work in Fluvanna County.
  • Families that make:
  • $28,000 to $41,000 for a family of three
  • $30,000 to 46,000 for a family of four
  • $33,000 to $49,000 for a family of five
  • Families having problems with current housing; such as overcrowding, very high rent, structural problems, infestations, etc.
  • Families willing to partner with Habitat to build a new home.  “Sweat equity” hours are required from each adult living in the home.  These hours come from educational classes and time working on a Habitat house.

Download an APPLICATION 

We are currently not accepting new applications at this time.


How much does a Habitat house cost?

Payments vary depending on the house.  Because you actually purchase your home from Habitat, you must demonstrate the ability to pay a monthly mortgage.  Home sites are determined by Habitat.

What is my responsibility to Habitat?

During the application process:

  • Attendance at the Habitat Orientation Meeting.  
  • Timely completion and return of application and all supporting documentation; including but not limited to tax returns, references, proof of monthly income and expenses.
  • Attending an interview and home visit with our Family Selection Committee.

If you are selected to be a Habitat family, responsibilities before closing:

  • 150 hours of “sweat equity” per adult which may be fulfilled in construction, or any other kind of volunteer work with Habitat.
  • Completion of a “Homebuyer’s Course” to help with budgeting and basic knowledge that any homeowner needs before purchasing a house.
  • Completion of a financial education course provided by Habitat.
  • A 640 or higher credit score. *Habitat will work with you to get your credit score to this point*
  • Home down payment.
After closing:
  • On time monthly mortgage payments.
  • Maintenance and repairs to your home once you have moved in.
  • Communication with Habitat if you change contact information.

What else should I know?

Fluvanna County Habitat has partnered with USDA in order to build more homes.  The USDA 502 Program pays Habitat back for all house expenses upon closing, thus ensuring that Habitat has enough money to start a new home immediately.  Homeowners then pay their monthly mortgage to USDA.  In order to partner with Habitat and USDA, USDA requires each homeowner pre-qualify for the mortgage loan.  In order to qualify, families must have a credit score of 640 or higher.  Habitat is aware that many families do not have a credit score of 640 or higher.  We are willing to work with families that have shown responsible credit use in the past, and who we feel could come up to the 640 standard fairly quickly.  We will utilize financial education courses as well as one-on one budget and financial counseling for all Habitat families.  This could take as many as several years to accomplish, and it is only once a family has reached this level that they will be offered the chance to partner with and purchase a home from Fluvanna Habitat.

Each adult applying for a Habitat home must pass a criminal and sexual offender background check.


Fluvanna County Habitat for Humanity realizes that it cannot help all people in all situations.  Here are some links that you may find helpful if you realize you do not qualify for a Habitat house:

Fluvanna County Social Services

Virginia Department of Health

United Way Thomas Jefferson Area

United Way Quick Reference Resource Guide


Get Involved!  


Board of Directors/Staff  


Michael Himes, President

Patrick Stenger, Vice President

Pam Batchellor, Treasurer

Tammy Bowers, Secretary

Richard Bowman

Roxanne Carter-Johnston

Larry Cormier

Deborah D’Agostino

Douglas Himberger

Larry Lazette

Gail Morace

Wayne Murphy





Stay Informed  


Subscribe to our e-mail newsletter!

* indicates required



Copyright © 2019 Fluvanna Habitat for Humanity. All Rights Reserved.
Joomla! is Free Software released under the GNU General Public License.