Down payment assistance in Virginia
14 programs from the state, counties, cities, and employers, plus the nationwide options. 13 accepting applications as of our last check.
Narrow it down
Showing 14 programs, plus 1 that ended.
Accepting applicationsArlington County
Arlington County Moderate Income Purchase Assistance Program (MIPAP)
- Up to 25% of the purchase price, capped at $112,500, as a deferred second trust
- Deferred loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsFairfax
Fairfax County First-Time Homebuyers Program (Affordable Dwelling Unit and Workforce Dwelling Unit Homes)
- Below-market townhomes and condos, recently $95,000 to the low $200,000s, sold to income-qualified first-time buyers by drawing
- Other help · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsLoudoun County
Loudoun County Affordable Dwelling Unit (ADU) Purchase Program
- New and resale townhomes and condos sold at county-regulated prices to first-time buyers between 30% and 70% of area median income
- Other help · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsManassas
Prince William County First-Time Homebuyer Program (FTHB)
- 20% of the price (30% at or below 60% of AMI) for down payment plus up to 3% for closing costs, capped at 23% or 33% of the approved sales price
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Virginia
Virginia Housing Closing Cost Assistance Grant
- Up to 2% of the purchase price toward closing costs on a Virginia Housing VA or USDA (RHS) bond loan
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Virginia
Virginia Housing Down Payment Assistance Grant
- 2% of the price with a Virginia Housing Conventional Bond loan, 2.5% with an FHA Bond loan, toward your down payment
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsStatewide, Virginia
Virginia Housing Plus Second Mortgage
- A second mortgage for the full down payment: 3% to 3.5% of the price, or 4.5% to 5% with 680+ credit so 1.5% can cover closing costs
- Repayable loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Funds running lowAlexandria
City of Alexandria Flexible Homeownership Assistance Program (FHAP)
- Up to $50,000 (up to $75,000 on a Neighborhood Stabilization Program home), sized by income tier, for down payment, principal reduction, or closing costs
- Deferred loan · First-time buyers only
- Only a couple of eligible homes were listed in September 2026. Ask the city about the current pipeline.
Verified Sep 23, 2026Details
Funds running lowFalls Church
City of Falls Church Affordable Homeownership Program (CFCAHP)
- City-owned condos, townhomes, and houses sold below market to first-time buyers between 50% and 120% of area median income
- Other help · First-time buyers only
- Only a couple of homes were listed in September 2026.
Verified Sep 23, 2026Details
Funds running lowFairfax County
Fairfax County Down Payment Loan
- Up to $50,000 as a deferred second trust with shared equity, paired with a Virginia Housing first mortgage
- Deferred loan · First-time buyers only
- Pilot launched April 2026. Applications stop once the funds are reserved.
Verified Sep 23, 2026Details
Funds running lowLoudoun County
Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)
- Up to 10% of the purchase price or $70,000, whichever is less, for down payment and closing costs
- Forgivable loan · First-time buyers only
- Funding is limited and first come, first served each fiscal year.
Verified Sep 23, 2026Details
Funds running lowStatewide, Virginia
Virginia DHCD HOMEownership Down Payment and Closing Cost Assistance Program
- Up to 10% of the price (15% in high-cost localities, which includes most of Northern Virginia) plus up to $2,500 for closing costs, capped at $40,000
- Forgivable loan · First-time buyers only
- Money flows through local providers, each with its own budget and sometimes a waiting list.
Verified Sep 23, 2026Details
Funds running lowStatewide, Virginia
Virginia Housing SPARC (Sponsoring Partnerships and Revitalizing Communities)
- A 1.00% reduction in the interest rate on a Virginia Housing first mortgage, reserved through a local sponsor
- Reduced-rate mortgage · First-time buyers, with exceptions
- Each sponsor gets a fixed allocation, first come, first served. Arlington reported limited funds in September 2026.
Verified Sep 23, 2026Details
Status not confirmedStatewide, Virginia
Virginia Individual Development Accounts (VIDA) Matched Savings for a Home
- $10 of match for every $1 you save, up to $10,000 in match on $1,000 of your own savings
- Grant · First-time buyers only
Verified Sep 23, 2026Details
Nationwide programs any buyer here can use
Federal loan programs, nonprofit paths, and bank grants that are not tied to one state.
Accepting applicationsNationwide
Bank of America Down Payment Grant and America's Home Grant
- Down Payment Grant of 3% of the price up to $10,000, plus America's Home Grant lender credit up to $7,500 for closing costs
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Chase Homebuyer Grant
- $2,500 or $5,000 depending on the census tract, applied to closing costs, points, or down payment
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Citi Lender Paid Assistance and HomeRun Mortgage
- Lender credit up to $7,500 toward closing costs, including points, on a Citi purchase mortgage
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Fannie Mae HomePath Ready Buyer Closing Cost Assistance
- Up to 3% of the purchase price toward closing costs on a Fannie Mae HomePath home
- Grant · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Fannie Mae HomeReady Mortgage
- 3% down conventional loan for buyers at or below 80% of area median income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
FHA 203(b) Mortgage With 3.5% Down
- Down payment as low as 3.5% of the purchase price, and it can be a gift
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Freddie Mac BorrowSmart and BorrowSmart Access
- Down payment and closing cost credit sized by income tier; Freddie Mac has published $2,500 for buyers at or below 50% of AMI
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Freddie Mac Home Possible Mortgage
- 3% down conventional loan for buyers at or below 80% of area median income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Habitat for Humanity Homeownership Program (DMV Affiliates)
- A newly built or renovated home sold with an affordable mortgage sized so the payment stays near 30% of income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Housing Choice Voucher (Section 8) Homeownership Program
- Your monthly voucher subsidy is applied to mortgage and ownership costs instead of rent
- Other help · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsNationwide
HUD Good Neighbor Next Door Sales Program
- 50% off the HUD list price of an eligible HUD-owned home
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
NACA Purchase Program (Neighborhood Assistance Corporation of America)
- No down payment, no closing costs, no fees, and no mortgage insurance for qualified members
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
TD Bank Right Step Mortgage (and TD Home Access)
- 3% down with no borrower-paid mortgage insurance; a $2,500 grant on TD's HomeReady loans for buyers at or below 50% of AMI through 1/29/27
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Truist Community Homeownership Incentive Program (CHIP)
- Mortgage with 0% to 3% minimum down payment, no mortgage insurance, and up to 100% financing in the Washington, Baltimore, and Richmond metros
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
USDA Rural Development Section 502 Single Family Housing Guaranteed Loan
- No down payment required for eligible buyers in USDA-eligible areas; financing up to 100% of appraised value plus the upfront fee
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
VA Home Loan (Purchase Loan)
- No down payment required for eligible buyers when the price is at or below the appraised value
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Wells Fargo Homebuyer Access Grant
- $10,000 toward the down payment, with up to $5,000 more in closing cost credit for buyers under 80% of AMI
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Status not confirmedNationwide
FHLBank Atlanta Homeownership Grants (First-time Homebuyer and Community Partners Products)
- Up to $17,500 for first-time buyers, up to $20,000 for the Community Partners Product
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Programs that have ended
Buyers still search for these. They are listed so you know not to plan around them.
Program details are summarized from public sources and change without notice. Funding badges reflect the last time we checked, not a guarantee of availability. This is buyer education from a real estate agent, not a loan pre-approval or a commitment to lend. Eligibility is decided by each program administrator and your lender. Equal Housing Opportunity.
Buying in Virginia? Let's line up your programs first.
Sean will tell you which programs are worth applying for, which ones stack, and what to do before you write an offer so you do not lose the money on a technicality.