Virginia program directory

Virginia homebuyer programs

A practical starting point for statewide and local assistance that can reduce down-payment, closing-cost or financing barriers.

True grant for eligible down-payment needs with qualifying Virginia Housing bond FHA or conventional financing.

Up to 2% of the purchase price toward eligible closing costs with qualifying bond VA or RHS financing.

30-year fixed-rate second mortgage that can cover the down payment and sometimes additional closing costs.

Deferred assistance delivered through approved local providers for eligible first-time buyers.

Potential 1% rate reduction through participating sponsors, subject to allocation availability.

Conventional, FHA, VA and RHS/USDA home loans with program-specific assistance pairings.