We are HERE and we're STAYING

While our office is operating remotely you can support your local Habitat by donating, purchasing a Habitat Store gift card on our E-store, or shopping on our E-Store

The Habitat Store is currently OPEN limited hours, accepting donations, and scheduling donation pick-ups. Click here for details.
For ongoing updates on COVID-19 and our affiliate operations click here. For Community Resources click here.



Our financial coaches can help you make a financial plan during this unprecedented time. ​​

Click HERE to schedule a phone or video call with one of our financial coaches.


COVID-19 Resources 

To access financial assistance with your rent or mortgage payments, please click HERE

To see guidelines on requesting forbearance or mortgage relief, please click HERE

To access financial assistance for UVA employees & contract workers, please click HERE

To file for unemployment, please click HERE

To see a list of local businesses that are currently hiring, please click HERE

If you are seeking protective masks, please email Garrett Trent with your name and the number of masks you need for your family.

Visit Support Cville's website to learn more about the following resources:

  • Funds for restaurant workers
  • Food assistance/ pet food assistance
  • Medication assistance
  • Internet and education tools
  • Legal Services
  • Health Services

Additional Resource Pamphlets



Our financial coaches are here to help you make a plan to achieve your financial goals. 

Click HERE to schedule an appointment with one of our financial coaches.


Financial Resources

Housing Assistance

The City of Charlottesville and Albermarle County offer several options for emergency financial assistance.

See HERE for financial assistance with rent payments.

See HERE for financial assistance with utility payments.


Homeownership and Mortgages

Paying a mortgage is an important part of homeownership. If you are struggling to pay your mortgage, or are concerned about missing a payment, you should contact your mortgage servicer as soon as possible. You may qualify for financial relief options. 

See HERE for resources on getting a mortgage and maintaining a mortgage.

See HERE for information on mortgage relief options.

See HERE for information on Charlottesville and Albermarle County mortgage assistance programs.

See HERE for information on property tax assistance in Charlottesville.


Foreclosure Assistance

If you are concerned about foreclosure, you should contact your mortgage servicer as soon as possible. Additionally, you should contact a HUD-approved housing counselor to receive free, professional assistance on avoiding foreclosure.

See HERE for a checklist on how to avoid foreclosure.

See HERE for a list of HUD-approved housing counseling agencies.


Paying off Debt

Paying off debts can give you more financial freedom. 

See HERE for a video on steps to help get out of debt.

See HERE for a video on strategies for paying off debt.

Contact one of our financial coaches for assistance creating a debt management plan.

Types of Debt

  • Secured vs. Unsecured - For information on secured and unsecured loans, click HERE
  • Credit Cards - For information on managing credit cards, click HERE
  • Medical Debt - For information on medical debt, click HERE
  • Student Loans - For information on repaying student loans, click HERE
  • Auto Loans - For information on auto loans and buying a car, click HERE
  • Payday Loans - For information on payday loans, click HERE
  • Cosigning Loans - For more information on cosigning loans, click HERE


Negotiating with Creditors and Debt Collectors

The creditor is the company that originally provides you with the credit or loan. Negotiating with creditors can help to lower your rate or repayment plan.

Debt collectors are third party companies that have been hired to collect your debt. Debt negotiations with creditors and debt collectors can also help to avoid garnishments, judgmentsforeclosure, and bankruptcy.

See HERE for a video on negotiating with creditors.

See HERE for information on negotiating a settlement with debt collectors.



You can file for unemployment benefits by completing an online application or by calling 1-866-832-2363 to get started.

See HERE for instructions to apply.

See HERE for a video on how to apply.

Click HERE to file for unemployment online.


Public Assistance

If you are experiencing financial difficulty, you might qualify for benefits through the state of Virginia. You can apply to public assistance programs including:

  • Food stamps (SNAP)
  • Cash assistance (TANF)
  • Utility assistance (LIHEAP)
  • Medical assistance 
  • Child care

Click HERE to apply online or call 1-855-635-4370 to get started.


Additional Community Resources

If you are searching for other types of assistance, please refer to one of the resources below.

  • Community Resource Helpline - Call (434) 234-4490 or complete this online form to be connected to services in the community.
  • United Way Quick Guide to Family Resources - Click HERE to access United Way's comprehensive community resource list.