Can you use down payment assistance with a VA loan?
Yes: 1335 of the 2,700-plus programs in the catalog name VA among the loan types they can be paired with.
A VA loan generally requires no down payment, so assistance is more often applied to closing costs, the VA funding fee, or prepaid items. Programs differ on which of those they permit, and each program page states what its funds may be used for.
State by state
51 states and territories have at least one. Each links to that state's full directory.
| State | Programs naming VA |
|---|---|
| Florida | 166 |
| California | 129 |
| Texas | 125 |
| Colorado | 74 |
| Maryland | 47 |
| Virginia | 45 |
| Georgia | 42 |
| Minnesota | 42 |
| Ohio | 33 |
| North Carolina | 32 |
| Pennsylvania | 32 |
| South Carolina | 32 |
| New Jersey | 30 |
| Louisiana | 29 |
| Washington | 29 |
| Oklahoma | 26 |
| Massachusetts | 24 |
| New York | 24 |
| Illinois | 23 |
| Arizona | 21 |
| Tennessee | 21 |
| Utah | 21 |
| Iowa | 18 |
| Indiana | 17 |
| Montana | 17 |
| Nevada | 16 |
| Oregon | 16 |
| Connecticut | 14 |
| Delaware | 14 |
| Alaska | 11 |
| Hawaii | 11 |
| Mississippi | 11 |
| South Dakota | 11 |
| West Virginia | 11 |
| Idaho | 10 |
| Kentucky | 10 |
| North Dakota | 9 |
| Nebraska | 9 |
| New Hampshire | 9 |
| Alabama | 8 |
| Kansas | 8 |
| Michigan | 8 |
| District of Columbia | 7 |
| Vermont | 7 |
| Wyoming | 7 |
| Maine | 6 |
| Missouri | 6 |
| New Mexico | 6 |
| Arkansas | 5 |
| Rhode Island | 5 |
| Wisconsin | 1 |
Questions, answered
Can you use down payment assistance with a VA loan?
Yes: 1335 of the 2,700-plus programs in the catalog name VA among the loan types they can be paired with. A VA loan generally requires no down payment, so assistance is more often applied to closing costs, the VA funding fee, or prepaid items. Programs differ on which of those they permit, and each program page states what its funds may be used for.
Where do these numbers come from?
Hey Prescott maintains a catalog of active down payment assistance programs across all 50 states and DC, each verified against the administering agency's own published material and carrying the date it was last checked. The counts on this page are drawn from that catalog and refresh as it does.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
More questions
- Do you have to pay back down payment assistance?
- Do you have to be a first-time buyer to get down payment assistance?
- Can you combine down payment assistance programs?
- Do you need a homebuyer education class for down payment assistance?
- What credit score do you need for down payment assistance?
- Can you use down payment assistance on a manufactured home?
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