Down payment assistance · Virginia

Buying a home in Virginia

87 programs: 8 statewide, the rest run by counties and 17 cities. What you can use depends on where the home is.87 programs across Virginia: 8 statewide, the rest run by counties and 17 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Loudoun	7	$743,800	$166,100	See Loudoun
Fairfax	3	$732,800	$166,100	See Fairfax
Fairfax	3	$732,800	$166,100	See Fairfax
Prince William	3	$530,100	$166,100	See Prince William
All 133 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.

Anywhere in Virginia

8 statewide programs

Up to $40,000

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program

Deferred second loan · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $25,000

HOMEownership Down Payment Assistance Program (VHCDC)

Forgivable loan · Income limits · First-time

See details

Up to $10,000

Virginia Individual Development Account (VIDA) Program (VHCDC)

Down-payment assistance · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

55 HUD-approved counseling agencies in Virginia55 HUD-approved housing counseling agencies in Virginia

All 8 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 8 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in VirginiaArea median income for all 133 counties, and the limit each program sets.See the limits

Virginia questions

What is Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program?

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program, a deferred second loan for first-time homebuyers (forgiven over 5 yrs, income limits), open anywhere in Virginia and run by Habitat for Humanity Virginia. Its page has the details and a link to the official site.

Which Virginia counties run their own programs?

26 counties of 133 have a county or city program listed, among them Loudoun, Fairfax, Fairfax and Prince William. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Virginia?

Many programs ask for one. 8 of the 8 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Virginia condo?

8 of the 8 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.

17 Virginia cities with their own program

All 133 counties