This is a unique new construction opportunity from Habitat for Humanity for buyers whose household income is @ 80% or lower area median income for Richmond. You get a 1st mortgage & Habitat for Humanity provides an interest-free deferred "silent" 2nd mortgage to reduce the amount needed to finance the purchase up to a max of 40% of the purchase price. Further details can be found in the listing supplements. The buyer does not pay on the 2nd mortgage until they either sell the house or pay off the 1st mortgage. Through Habitat's silent 2nd mortgage, the subsidy essentially makes the price substantially less than the list price! This is creative affordable housing @ work! Walk in from the covered front porch to a large living room open to the kitchen with a ceiling fan & high-quality LVP flooring. The eat-in kitchen with space for a table features expansive granite counters, Whirlpool stainless steel appliances, garbage disposal, & pendant lights. Just off the kitchen is the 1st floor primary with ceiling fan, large walk in closet & en-suite full bath. Upstairs features a landing with a laundry closet with washer & dryer hookups & storage shelves, LVP flooring, & recessed lights. 2 additional bedrooms are also upstairs each with a ceiling fan, large closet, LVP flooring & access to the Jack & Jill bathroom between them. Jack & Jill full bath features a tub/shower combo, linen closet, & dual sink vanity. Outside is plenty of off-street parking & a new detached shed. Located in the Forest Hills/Westover Hills area, this house is close to the James River Park System & Forest Hill Park. Enjoy all that the JRPS offers with access to hiking & biking trails, playgrounds, & the numerous recreational activities offered on the river itself. Walk to many of the vibrant local shops, restaurants, & breweries that are in the area. Don't let this wonderful opportunity to love where you live pass you by. Please see the supplements or ask agent for details about shared appreciation & income & deed restrictions.