Virginia Housing & Grants
You may be closer to owning than you think.
Most Virginia buyers dramatically overestimate what they need to save. Here's what actually exists — and who qualifies.
Programs
What's available in Virginia right now.
Programs change often. These are the ones I use most for Central Virginia buyers.
Down Payment Assistance Grant
Up to 2% of the purchase price toward your down payment. No repayment required.
0% Down Options
VA, USDA, and layered Virginia Housing structures that eliminate the down payment entirely for qualified buyers.
Closing Cost Assistance
Program credits and lender strategies that reduce what you bring to the closing table.
Mortgage Credit Certificate
A federal tax credit on a portion of the mortgage interest you pay each year you live in the home.
Program availability, grant percentages, income limits, and purchase price limits are set by Virginia Housing and are subject to change. Eligibility is determined at application. This is not a commitment to lend.
FAQs
The questions I answer every week.
Free Eligibility Review
Tell me your numbers. I'll tell you what you qualify for.
No credit pull, no obligation, and a real answer — usually the same day.