Down payment assistance · St. Louis County
1 Virginia program and 8 statewide.Virginia has 1 program of its own, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Only for Virginia addresses
First-time homebuyers · New construction · Income limits · Single-family detached, condominium (project-approved), townhouse, PUD, manufactured home (real-property-titled), 1-2 unit owner-occupied.
Neighboring cities
The Virginia marketThe Virginia housing market
Condos count. Virginia’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
83%
of Virginia homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
14 of the 71 programs here set their income limit as a share of St. Louis County’s area median income, adjusted for household size. See the published limits for St. Louis County
Free help nearbyFree help near Virginia
Virginia’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Downpayment and Closing Cost Assistance asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Minnesota and nationwide
Yes, one: Downpayment and Closing Cost Assistance, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Virginia.
Virginia’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for St. Louis County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Virginia. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
55777 · 55792
Nearby in St. Louis
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.