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Down payment assistance income limits in Virginia

87 down payment assistance programs in Virginia publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Virginia county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Virginia
CountyPublished4-person median
Accomack2026$76,800
Albemarle2026$139,800
Alexandria City2026$166,100
Alleghany2026$71,300
Amelia2026$113,500
Amherst2026$88,300
Appomattox2026$88,300
Arlington2026$166,100
Augusta2026$98,500
Bath2026$89,700
Bedford2026$88,300
Bland2026$76,200
Botetourt2026$98,500
Bristol City2026$81,800
Brunswick2026$66,500
Buchanan2026$54,400
Buckingham2026$84,900
Buena Vista City2026$85,700
Campbell2026$88,300
Caroline2026$102,900
Carroll2026$71,000
Charles City2026$113,500
Charlotte2026$80,200
Charlottesville City2026$139,800
Chesapeake City2026$107,700
Chesterfield2026$113,500
Clarke2026$166,100
Colonial Heights City2026$113,500
Covington City2026$71,300
Craig2026$98,500
Culpeper2026$120,600
Cumberland2026$62,700
Danville City2026$75,500
Dickenson2026$60,900
Dinwiddie2026$113,500
Emporia City2026$64,400
Essex2026$87,800
Fairfax2026$166,100
Fairfax City2026$166,100
Falls Church City2026$166,100
Fauquier2026$166,100
Floyd2026$88,500
Fluvanna2026$139,800
Franklin2026$89,500
Franklin City2026$96,000
Frederick2026$107,000
Fredericksburg City2026$166,100
Galax City2026$71,000
Giles2026$85,400
Gloucester2026$107,700
Goochland2026$113,500
Grayson2026$65,300
Greene2026$139,800
Greensville2026$64,400
Halifax2026$77,700
Hampton City2026$107,700
Hanover2026$113,500
Harrisonburg City2026$97,700
Henrico2026$113,500
Henry2026$71,500
Highland2026$88,300
Hopewell City2026$113,500
Isle Of Wight2026$107,700
James City2026$107,700
King And Queen2026$90,700
King George2026$138,600
King William2026$113,500
Lancaster2026$91,000
Lee2026$65,200
Lexington City2026$85,700
Loudoun2026$166,100
Louisa2026$107,000
Lunenburg2026$77,200
Lynchburg City2026$88,300
Madison2026$108,700
Manassas City2026$166,100
Manassas Park City2026$166,100
Martinsville City2026$71,500
Mathews2026$107,700
Mecklenburg2026$79,500
Middlesex2026$102,200
Montgomery2026$119,600
Nelson2026$139,800
New Kent2026$113,500
Newport News City2026$107,700
Norfolk City2026$107,700
Northampton2026$86,300
Northumberland2026$83,700
Norton City2026$64,500
Nottoway2026$86,000
Orange2026$113,700
Page2026$74,500
Patrick2026$78,000
Petersburg City2026$113,500
Pittsylvania2026$75,500
Poquoson City2026$107,700
Portsmouth City2026$107,700
Powhatan2026$113,500
Prince Edward2026$78,800
Prince George2026$113,500
Prince William2026$166,100
Pulaski2026$87,600
Radford City2026$119,600
Rappahannock2026$92,200
Richmond2026$97,500
Richmond City2026$113,500
Roanoke2026$98,500
Roanoke City2026$98,500
Rockbridge2026$85,700
Rockingham2026$97,700
Russell2026$73,000
Salem City2026$98,500
Scott2026$81,800
Shenandoah2026$88,500
Smyth2026$70,200
Southampton2026$96,000
Spotsylvania2026$166,100
Stafford2026$166,100
Staunton City2026$98,500
Suffolk City2026$107,700
Surry2026$100,300
Sussex2026$113,500
Tazewell2026$69,500
Virginia Beach City2026$107,700
Warren2026$103,600
Washington2026$81,800
Waynesboro City2026$98,500
Westmoreland2026$87,300
Williamsburg City2026$107,700
Winchester City2026$107,000
Wise2026$64,500
Wythe2026$84,500
York2026$107,700

Published limits by program

Published income limits and purchase price caps by program in Virginia
ProgramIncome limitPrice cap
Albemarle County Homebuyer Assistance Program (ACHAP)Charlottesville · Albemarle County80% of area median incomeHousehold income at/below 80% AMI. ACHAP-specific 2026 limits (Charlottesville HUD area) by size: 1=$59,950; 2=$68,500; 3=$77,050; 4=$85,600; 5=$92,450; 6=$99,300; 7=$106,150; 8=$113,000.—
Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment AssistanceGate City · Lee; Scott; Wise; Norton City; Dickenson80% of area median incomeHousehold income at or below 80% AMI by HUD household size/locality.—
Arlington County Affordable Dwelling Units (ADU) Homeownership ProgramArlington · Arlington County80% of area median incomeADUs sold/resold to households at or below 80% AMI; max gross income varies by household size and updates annually. Example (2000 Clarendon): 1p $70,560; 2p $80,640; 3p $90,720; 4p $100,800; minimum income $50,000.$0
Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance ProgramWinchester · Clarke; Fauquier; Frederick; Page; Shenandoah; Warren80% of area median incomeTotal household income between 30% and 80% of Area Median Income (AMI).—
Call Chesapeake HOME ProgramChesapeake · Chesapeake80% of area median incomeIncome limits are based on 80% Area Median Income (AMI) for the Virginia Beach-Norfolk-Newport News, VA-NC HUD MSA, adjusted for household size. 2024 limits range approximately from $56,400 (1-person) to $106,350 (8-person). Limits are updated annually by HUD.—
Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & WaynesboroStaunton · Staunton City|Waynesboro City80% of area median incomeHousehold income may not exceed 80% of Area Median Income. Staunton-Waynesboro, VA MSA 2026 limits: 1p $55,200; 2p $63,050; 3p $70,950; 4p $78,800; 5p $85,150; 6p $91,450; 7p $97,750; 8p $104,050 (effective 05/01/2026)$269,000
City of Alexandria Employee Homeownership Incentive Program (EHIP)Alexandria · Independent City120% of area median income2026 HUD income limits used for tier determination. Tier 1 (<=80% AMI, $15,000): 4-person $132,880. Tier 2 (80-120% AMI, $11,500): 4-person upper bound $199,320. Tier 3 (>120% AMI, $7,500): no published upper income cap in brochure.$750,000
City of Danville Homeownership Assistance ProgramDanville · Danville City80% of area median incomeLow- and moderate-income City residents (HOME <=80% AMI typical); specific dollar limits not published on the city page.—
City of Fairfax Affordable Dwelling Unit (ADU) For-Sale Homeownership ProgramFairfax · Fairfax CitySee programPurchase of a for-sale ADU is restricted to income-eligible households below set AMI thresholds. The City of Fairfax ADU zoning page does not publish the exact income-limit table by household size online (obtain from the City's Administrative Regulations / Housing office; the City administers its own ADU program separate from Fairfax County's).—
City of Falls Church Affordable Dwelling Unit (ADU) Purchase ProgramFalls Church · Falls Church CitySee programIncome limits by AMI percentage tier (2025 HUD AMI, 4-person 100% = $163,900); for-purchase ADUs target low- and moderate-income households per the unit's designated AMI tier—
City of Falls Church Affordable Homeownership Program (CFCAHP)Falls Church · Falls Church City$163,900Households must have annual gross income between 50% and 120% of the HUD median income for the City of Falls Church (FY2025: 50% of AMI 4-person = $81,950; 120% of AMI 4-person = $196,680; 100% AMI 4-person = $163,900). Per Policy Manual, max annual gross income is $162,000 for households of 2 or fewer and $189,000 for households of 3 or more.—
City of Fredericksburg Direct Homeownership Assistance ProgramFredericksburg · Fredericksburg City80% of area median incomeTotal household income at/below 80% AMI (HUD Section 8 limits, 24 CFR 5.609) by household size. Fredericksburg is in the Washington-Arlington-Alexandria HUD area (4-person 80% ~ $106,800 for 2026).—
City of Hampton Homebuyer Assistance ProgramHampton · HamptonSee programIncome-eligible (low-income) homebuyers; income limits apply per Hampton RHA (specific dollar limits not published).—
City of Harrisonburg SPARC ProgramHarrisonburg · Harrisonburg CitySee programVirginia Housing limits: Standard/Bond Programs $100,000 (1-2 people) / $115,000 (3+ people); Down Payment/Closing Cost Assistance Grant Programs $80,000 (1-2 people) / $92,000 (3+ people)$450,000
City of Manassas Park Affordable Dwelling Unit (ADU) & Workforce Dwelling Unit (WDU) ProgramManassas Park · Manassas Park CitySee program$0
City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)Newport News · Newport News City$86,150Household income within HUD/program limits (2026). Max by family size: 1=$60,350; 2=$68,950; 3=$77,550; 4=$86,150; 5=$93,050; 6=$99,950; 7=$106,850; 8=$113,750.—
City of Suffolk HOME Downpayment and Closing Cost Assistance ProgramSuffolk · Suffolk City80% of area median incomeHousehold income cannot exceed 80% of Area Median Income.—
Closing Cost Assistance GrantStatewide · Statewide$174,000Virginia Housing combined household income limits (gross qualifying income). Vary by county and household size: $90,000 (1-2 person low-cost rural) to $174,000 (3+ person high-cost NoVA - Arlington, Fairfax, Loudoun, Prince William). Verify on Virginia Housing income/sales-price limits page.$800,000
Come HOME to PortsmouthPortsmouth · Portsmouth80% of area median incomeTiered income limits based on AMI for Virginia Beach-Norfolk-Newport News HUD MSA. Lower tier reflects very-low-income / 30-50% AMI floor (approx $35,250) up to 80% AMI ($106,350 for 8-person). Limits adjusted annually by HUD.—
Danville Redevelopment & Housing Authority - Housing Choice Voucher Homeownership ProgramDanville · Danville CitySee programMinimum income required: qualified annual income of adult owner(s) at least federal minimum wage x 2,000 hrs. Must be a current HCV voucher holder.—
Down Payment / Closing Cost Assistance Program Plus (DPCC Plus)Loudoun100% of area median incomeHousehold income between $80,350 (1-person minimum threshold) and $216,350 (8-person maximum) at 100% AMI for Washington-Arlington-Alexandria HMFA. Higher-income tier above standard DPCC.—
Down Payment & Closing Cost Loan ProgramCharlottesville · Albemarle|Fluvanna|Greene|Louisa|Nelson80% of area median incomeHousehold income generally below 80% AMI; three income-limit guidelines apply by fund source. 4-person 80% AMI for Charlottesville VA HUD FMR Area = $106,800 (eff. May 1, 2026). Different limits in Louisa County and other jurisdictions.—
Down Payment Assistance (DPA)Roanoke · Roanoke80% of area median income80% AMI for the Roanoke MSA / Roanoke Valley counties; range approximately $40,950 (1-person) to $77,250 (8-person) for 2024.—
Down Payment Assistance GrantStatewide · Statewide80% of area median incomeIncome limit at or below 80% Area Median Income (AMI) per Virginia Housing combined household income table. AMI thresholds vary by county and household size - verify on Virginia Housing income limits page. Highest-cost NoVA tops out near $174,000 for large households; lower-cost rural counties as low as $50,000-$70,000 for small households.$800,000
Down Payment Assistance Program (Lyn-CAG)Lynchburg · Lynchburg80% of area median incomeFamily/household total income must not exceed 80% of the area median income (AMI) for the Lynchburg, VA area.—
Down Payment ProgramsCharlottesville · Albemarle|Charlottesville City|Fluvanna|Greene|Louisa|Nelson120% of area median incomeHousehold income between $18,900 (1-person minimum threshold) and $161,200 (8-person maximum) tracking up to 120% AMI for Charlottesville MSA. Multiple program tiers serve different income brackets.—
Down Payment/Closing Cost Assistance Program (DPCC)Loudoun70% of area median incomeHousehold income between $34,450 (1-person minimum threshold) and $151,500 (8-person maximum) tracking 30%-70% AMI for Washington-Arlington-Alexandria HMFA. Lower-income tier; the higher-income DPCC Plus tier serves households up to 100% AMI.—
Fairfax County Down Payment LoanFairfax County80% of area median income2026 HUD 80% AMI limits by household size: 1-person $91,750; 4-person $131,100; 8-person $173,050.—
Fairfax County Homeownership ProgramFairfax100% of area median incomeFTHB track: up to 70% AMI (min household income $25,000); WDU track: 70-100% AMI. Income limits vary by household size per HUD guidelines.$600,000
Fairfax County Workforce Dwelling Unit (WDU) Homebuyer ProgramFairfax120% of area median incomeTotal household income between 70% and 120% AMI by household size. 4-person: 70% $114,750; 80% $131,100; 100% $163,900; 120% $196,700. 1-person 70% $80,350 to 120% $137,700.—
First Time Homebuyer Assistance ProgramNewport News · Newport News80% of area median income80% AMI for VA Beach-Norfolk-Newport News HUD MSA; $56,400 (1-person) to $106,350 (8-person) 2024.—
First Time Homebuyers - Downpayment and Closing Cost AssistanceHenrico80% of area median incomeHousehold income between $61,800 (1-person minimum threshold) and $116,500 (8-person maximum) at 80% AMI for Richmond MSA. Updated annually.—
First Time Homebuyers Program (FTHB)Prince William80% of area median incomeHousehold income between $74,800 (1-person minimum threshold) and $141,000 (8-person maximum) at 80% AMI for Washington-Arlington-Alexandria HMFA. Updated annually.—
Flexible Homeownership Assistance Program (FHAP)Alexandria · Alexandria City100% of area median incomeHousehold income between $68,500 (1-person minimum threshold) and $179,500 (8-person maximum) at 100% AMI for Washington-Arlington-Alexandria HMFA. Updated annually.—
Greater Lynchburg Habitat for Humanity Homeownership ProgramLynchburg · Lynchburg70% of area median incomeHousehold income generally 40%-70% AMI for the Lynchburg MSA (HUD AMI).—
Habitat for Humanity of Goochland County Homeownership ProgramGoochland · GoochlandSee programIncome limits follow USDA Section 502 Direct Loan eligibility and Habitat selection criteria (typically low-income). Exact dollar limits by household size are not published on the Goochland affiliate page (confirm USDA 502 Direct income limits for Goochland County by household size).—
Habitat for Humanity of Greater Charlottesville Homeownership ProgramCharlottesville · Albemarle; Charlottesville City; Greene; Louisa60% of area median incomeHousehold income (before taxes/deductions) at or below 60% of Charlottesville Area Median Income (2025), by household size (monthly): 1 person $4,405; 2 $5,035; 3 $5,665; 4 $6,290; 5 $6,795; 6 $7,300; 7 $7,800; 8 $8,305. 4-person annualized approx. $75,480. Income should fall between 25% and 60% AMI.—
Habitat for Humanity of the New River Valley Homeownership ProgramChristiansburg · Montgomery|Giles|Floyd|Pulaski80% of area median incomeHousehold income generally 30%-80% AMI for the Blacksburg-Christiansburg-Radford VA MSA (HUD AMI).—
Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership ProgramArlington; Fairfax80% of area median incomeFamilies with low and moderate incomes; service population generally 30-80% of Area Median Income—
Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer ProgramNewport News · Charles City; Hampton; James City; New Kent; Newport News; Poquoson; Williamsburg; YorkSee programTotal annual gross income from all household members must fall between published minimum and maximum for household size. Max: 1=$59,650; 2=$68,200; 3=$76,700; 4=$85,200; 5=$92,050; 6=$98,850; 7=$105,650; 8=$112,500. Min: 1=$29,840; 2=$34,080; 3=$38,360; 4=$42,600; 5=$46,040; 6=$49,440; 7=$52,840; 8=$56,240.—
Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance ProgramStatewide (all Virginia counties and independent cities)80% of area median incomeTotal household income at or below 80% of HUD Area Median Income for the locality and household size, per HUD's annually updated HOME income limits. Because coverage is statewide, the dollar limit varies by jurisdiction and household size; see DHCD 2025 HUD HOME Income Levels. (Unconfirmed: no single statewide dollar figure applies.)—
Hampton Roads Loan Fund Partnership (HRLFP)Regional · Multi-County (Hampton Roads region)80% of area median income80% AMI for VA Beach-Norfolk-Newport News HUD MSA; $56,400 (1-person) to $106,350 (8-person) for 2024.—
Hanover & King William Habitat for Humanity Homeownership ProgramMechanicsville · Hanover$90,800Income guidelines follow HUD limits and vary by family size (income ranges shown are min-to-max qualifying band): One person — $31,800 to $63,600; Two — $36,350 to $72,650; Three — $40,900 to $81,750; Four — $45,400 to $90,800; Five — $49,050 to $98,100.—
Henrico County Employee Home Purchase Assistance Program (EHPAP)Henrico · Henrico County$169,600Gross household income within Virginia Housing limits: $98,300 (1-person), $148,400 (2-person), $169,600 (3+ person). Includes all individuals 18+ and all income sources.$550,000
HOME Downpayment and Closing Cost AssistanceSuffolk · Suffolk80% of area median income80% AMI for VA Beach-Norfolk-Newport News HUD MSA; $56,400 (1-person) to $106,350 (8-person) for 2024.—
HOME First-Time Homebuyers ProgramAugusta|Bath|Highland|Rockbridge|Rockingham80% of area median incomeHousehold income between $41,100 (1-person minimum threshold) and $94,950 (8-person maximum) at 80% AMI for the CSPDC service area. Updated annually.$271,000
HOME Homeownership ProgramRichmond · Richmond City80% of area median incomeHousehold income between $63,600 (1-person minimum threshold) and $119,900 (8-person maximum) at 80% AMI for Richmond MSA. Updated annually.—
HOME of Virginia HOMEownership Down Payment & Closing Cost Assistance ProgramRichmond · Richmond City; Chesterfield; Colonial Heights; Goochland; Hanover; Henrico; Hopewell; Powhatan80% of area median incomeHousehold income must be at least $40,000 combined annual income AND at or below 80% of HUD AMI per HOME of VA's published chart: 1 person $63,600; 2 persons $72,650; 3 persons $81,750; 4 persons $90,800; 5 persons $98,100; 6 persons $105,350; 7 persons $112,600; 8 persons $119,900.—
HOME ProgramNorfolk · Norfolk80% of area median income80% AMI for VA Beach-Norfolk-Newport News HUD MSA, Norfolk-specific schedule; $55,450 (1-person) to $104,550 (8-person).—
HOMEownership Down Payment & Closing Cost AssistancePetersburg · Petersburg80% of area median income80% AMI per applicable HUD area; range approximately $41,100 (1-person, lower-income areas) to $116,500 (8-person, higher-income areas) per VA DHCD HOMEownership DPA program guidelines.$361,000
HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing NetworkWinchester City, Frederick, Clarke, Warren, Page, Shenandoah80% of area median incomeTotal household income at or below 80% of Area Median Income as established by HUD for household size and locality; income for all household members over 18 counted (full-time students 18+ excluded).—
Homeownership Down Payment Assistance Program (DPA)Statewide · Statewide80% of area median incomeAt or below 80% Area Median Income (AMI) per HUD HOME income limits. Varies by jurisdiction and household size: $39,400 (1-person rural low-cost - SW Virginia, Lee/Wise/Buchanan counties) to $129,100 (8-person high-cost NoVA - Arlington/Fairfax/Loudoun/Prince William). Verify by county/household size with sub-recipient.$1.5M
HOMEownership Down Payment Assistance Program (VHCDC)Suffolk80% of area median income2026 Adjusted Household Income Limits (4-person): Hampton Roads $86,150; Franklin City $76,800; Henrico County $90,800; Isle of Wight County $86,150; Northampton County $69,050; Petersburg $90,800; Pittsylvania County $63,900; Richmond $90,800; Southampton County $76,800; Surry County $86,150; Northern VA/DC/MD $106,800. Full 1-8 person tables published on the program page.—
Homeward Norfolk ProgramNorfolk · Norfolk120% of area median incomeTiered AMI up to 120% AMI for VA Beach-Norfolk-Newport News HUD MSA. Range $55,450 (1-person) to $156,850 (8-person). NOTE: this entry shows $156,850 upper bound vs. $156,800 on City of Norfolk listing - reflects PDF source variance.—
James City County First-Time Homebuyer ProgramWilliamsburg · James City County80% of area median incomeHousehold income may not exceed 80% of Area Median Income (HUD AMI for the Virginia Beach-Norfolk-Newport News, VA-NC HUD metro). Specific per-household-size dollar limits not published on the JCC program page; determined at application using current HUD income limits.—
Loudoun County Affordable Dwelling Unit (ADU) Purchase ProgramLoudoun70% of area median income30%-70% of Washington MSA AMI (AMI $163,900 effective 4/1/2025). 70% limits: 1p $80,350; 2p $91,800; 3p $103,300; 4p $114,750; 5p $123,950; 6p $133,150; 7p $142,300; 8p $151,500. Minimum 30%: 4p $49,200.—
Loudoun County Affordable Market Purchase Program (AMPP)Loudoun100% of area median incomeMore than 70% and less than 100% of Washington MSA AMI. 2026 limits (4-person): 70% $116,300; 80% $132,900; 90% $149,500; 100% $166,100. 1-person 70% $81,450 to 100% $116,300.—
Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)Leesburg · Loudoun County70% of area median incomeGross household income 30%-70% AMI; current eligible range ~$49,850-$116,300 regardless of family size (updated 05/2026). Loudoun 4-person: 70%=$116,300, 80%=$132,900, 100%=$166,100.—
Loudoun County Public Employee Homeownership Grant Program (PEG)Leesburg · Loudoun County70% of area median incomeGross household income 30%-70% AMI; eligible range ~$49,850-$116,300 regardless of family size. Loudoun 4-person: 70%=$116,300, 80%=$132,900.—
Maggie Walker Community Land Trust Homeownership ProgramRichmond · Richmond City115% of area median incomeMaximum household income limits at 115% AMI for the Richmond, VA MSA (2025): 1p $91,425; 2p $104,420; 3p $117,530; 4p $130,525; 5p $140,990. Homes reserved for households from 80% AMI (4-person 80% AMI = $90,800) up to 115% AMI.—
Make Isle of Wight HOME ProgramIsle of Wight · Isle of Wight80% of area median income80% AMI for VA Beach-Norfolk-Newport News HUD MSA; $56,400 (1-person) to $106,350 (8-person) for 2024.—
Moderate Income Purchase Assistance Program (MIPAP)Arlington · Arlington80% of area median incomeHousehold income between $86,640 (1-person minimum threshold) and $163,440 (8-person maximum) at 80% AMI for Washington-Arlington-Alexandria HMFA. Updated annually.$500,000
New River Home Trust (Community Land Trust)Blacksburg · Montgomery120% of area median incomeIncome qualified once at purchase using HUD AMI for Montgomery County, updated annually; three tiers (80/100/120% AMI). 2026 Montgomery County max household income — 80% AMI 4p $95,700; 100% AMI 4p $119,600; 120% AMI 4p $143,500 (1-8 person tables published). Income may rise after purchase without penalty.—
Northeast Tennessee/Virginia HOME Consortium - Down Payment Assistance (Bristol VA)Bristol · Bristol City80% of area median incomeLow- and moderate-income (HOME program) limits; <=80% AMI typical for HOME homebuyer activities. Specific dollar figures not published on the program page.—
Northern Virginia Down Payment & Closing Cost Assistance (CFH)Manassas · Prince William80% of area median incomeHOME Program Income Limits (NoVA), as of May 2026, by household size: 1 $74,800; 2 $85,450; 3 $96,150; 4 $106,800; 5 $115,350; 6 $123,900; 7 $132,450; 8 $141,000. (Program guidelines page also shows a separate lower CFH NoVA DPA eligibility table: 1 $68,500; 2 $78,250; 3 $88,050; 4 $97,800; 5 $105,650; 6 $113,450; 7 $121,300.)—
NRHA HomeNet HOME ProgramNorfolk · Norfolk City80% of area median incomeHousehold income at or below 80% AMI. 2025 limits (HomeNet): 1 $55,450; 2 $63,400; 3 $71,300; 4 $79,200; 5 $85,550; 6 $91,900; 7 $98,250; 8 $104,550.—
Open Door Community (HOPE) - HOMEownership Down Payment & Closing Cost Assistance (DPA)Wytheville · Wythe; Bland; Carroll; Grayson; Smyth; Galax City80% of area median incomeHousehold income at or below 80% AMI by HUD household size/locality (Section 8 income definition).—
People Incorporated of Virginia - HOMEownership Down Payment & Closing Cost Assistance (DPA)Bristol · Bristol City; Buchanan; Dickenson; Lee; Russell; Scott; Tazewell; Washington; Wise80% of area median incomeTotal household income at or below 80% AMI by HUD household size/locality (HUD HOME limits, updated ~June/July annually). Section 8 income definition used.—
Petersburg RHA Down Payment & Closing Cost Assistance (DPA)Petersburg · Petersburg City; Colonial Heights City; Hopewell City; Chesterfield; Dinwiddie; Prince George; Greensville; Surry; Sussex80% of area median incomeHousehold income at or below 80% AMI by household size (Richmond MSA): 1p $61,780; 2p $70,600; 3p $79,450; 4p $88,250; 5p $95,350; 6p $102,400; 7p $109,450; 8p $116,500—
Piedmont Community Land Trust Homeownership ProgramCharlottesville · Albemarle|Charlottesville City|Greene|Fluvanna|Nelson|Louisa80% of area median incomeAt or below 80% AMI; 2026 Charlottesville MSA 4-person limit $106,800. Lower limits apply in Louisa County.—
Piedmont Housing Alliance Down Payment Loan ProgramCharlottesville · Charlottesville City80% of area median incomeHousehold income below 80% of Area Median Income. Income limits updated each spring; 2026 AMI charts published by Piedmont Housing Alliance.—
Plus Second MortgageStatewide · Statewide$245,000Virginia Housing combined household income limits. Plus Second has the BROADEST income range of the three Virginia Housing DPA products: $90,000 (1-2 person low-cost) up to $245,000 (3+ person high-cost NoVA - Arlington, Fairfax, Loudoun, Prince William). Verify by county/household size on Virginia Housing limits page.$800,000
Prince William County First-Time Homebuyer (FTHB) ProgramWoodbridge · Prince William County80% of area median incomeCombined gross household income at/below 80% AMI (Washington-Arlington-Alexandria HUD area) by household size. 4-person 80% = $106,800 (eff 6/1/2026); 1-person $74,800 to 8-person $141,000.$399,000
Public Employee Homeownership Grant Program (PEG)Loudoun100% of area median incomeHousehold income between $45,650 (1-person minimum threshold) and $106,500 (8-person maximum) at 100% AMI for Washington-Arlington-Alexandria HMFA. Restricted to Loudoun County public employees.$408,100
Richmond Metropolitan Habitat for Humanity Homeownership ProgramRichmond · Richmond City; Chesterfield; Henrico80% of area median incomeServes households at or below 80% AMI for the Richmond MSA (FY25 HUD). Max annual income: 1=$63,600; 2=$72,650; 3=$81,750; 4=$90,800; 5=$98,100; 6=$105,350; 7=$112,600; 8=$119,900. Minimum income also applies (1-5=$40,000; 6=$43,150; 7=$48,650; 8=$54,150).—
RRHA Homeownership Programs (ComeHome / Neighborhood Homeownership Initiative / Greenwalk)Richmond · Richmond City80% of area median incomeNeighborhood Homeownership Initiative and Greenwalk homes are sold to households with incomes below 80% of Area Median Income. Full income-limit table by household size not published (confirm 80% AMI dollar limits for the Richmond, VA MSA with RRHA). ComeHome is restricted to current RRHA public-housing residents and Housing Choice Voucher holders.—
SCDHC HOMEownership Down Payment & Closing Cost Assistance ProgramRichmond; Petersburg; Emporia · Brunswick; Charles City; Dinwiddie; Emporia; Greensville; Petersburg; Prince George; Southampton; Sussex; Henrico; Chesterfield; Richmond City80% of area median incomeTotal household income at or below 80% of HUD Area Median Income (AMI) for the locality and household size, per HUD's annually updated HOME income limits. SCDHC's own pre-screen also asks that annual income be at least $40,000. Exact dollar limits vary by jurisdiction and household size; see DHCD/HUD HOME income limit tables (Unconfirmed: SCDHC does not publish a per-household-size dollar chart on its site).—
Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)South Boston · Pittsylvania; Halifax; Mecklenburg; Brunswick; Charlotte; Lunenburg; Nottoway; Prince Edward; Campbell; Amherst80% of area median incomeHousehold income at or below 80% AMI by HUD household size/locality.—
Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership ProgramStaunton · Augusta80% of area median incomeHousehold income at or below 80% AMI for the Staunton-Waynesboro MSA (HUD AMI).—
TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance ProgramRoanoke · Roanoke City; Roanoke County; Botetourt; Craig; Rockbridge; Salem City80% of area median incomeHousehold income at or below 80% AMI (HUD). Per TAP program page (2024 HOME limits): 1=$48,800; 2=$55,800; 3=$62,750; 4=$69,700; 5=$75,300; 6=$80,900; 7=$86,450; 8=$92,050. Updated annually by HUD; FY2025 Roanoke MSA HOME 80% 4-person ~$72,500.—
Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot ProgramNorfolk; Virginia Beach · Chesapeake; Franklin; Hampton; Newport News; Norfolk; Portsmouth; Suffolk; Smithfield (Isle of Wight)60% of area median incomeTotal household income up to 60% of HUD Area Median Income for the locality and household size, per HUD HOME income limits. Dollar limits vary by jurisdiction and household size across the Hampton Roads service area; see HUD/DHCD HOME income limit tables. (Unconfirmed: ULHR does not publish a per-household-size dollar chart on its site.)—
Virginia Individual Development Account (VIDA) Program (VHCDC)Suffolk80% of area median income2025 Adjusted Household Income Limits (4-person): Accomack County $62,900; Hampton Roads $85,200; Franklin City $75,000; Henrico County $90,800; Isle of Wight County $85,200; Northampton County $68,300; Petersburg $90,800; Pittsylvania County $62,500; Richmond $90,800; Southampton County $75,000; Surry County $77,050; Northern VA/DC/MD $106,800. Full 1-8 person tables published on the program page.—
Virginia Individual Development Accounts (VIDA)Norfolk · Norfolk200% of area median incomeVIDA eligibility: household income at or below 200% federal poverty level OR 80% AMI per state DHCD VIDA program rules. Asset cap: net household worth under $10,000 (excluding primary residence/vehicle).—
Virginia Individual Development Accounts (VIDA) Program - United Way of Henry County & MartinsvilleMartinsville · Henry$62,500Henry County / Martinsville VIDA income limits (all household income): 1 person $43,750; 2 $50,000; 3 $56,250; 4 $62,500; 5 $67,500; 6 $72,500; 7 $77,500; 8 $82,500.—
Workforce Housing Program - For-Sale ComponentVirginia Beach · Virginia Beach120% of area median incomeHousehold combined annual gross income must be between 80% and 120% of AMI, adjusted for household size. WFH Income Guidelines (adopted Oct 20 2025; HUD AMIs eff. Apr 1 2025; VB-Norfolk-Newport News MSA; 4-person median $106,500): 120% 4p $127,800; 110% 4p $117,150; 100% 4p $106,500; 90% 4p $95,850; 80% 4p $85,200 (full table by 1-6 persons in source).$452,667
York County HOME Down Payment and Closing Cost ProgramYorktown · York80% of area median incomeHousehold income may not exceed 80% of the area median income limit based on household size. Published limits: 1p $55,450; 2p $63,400; 3p $71,300; 4p $79,200; 5p $85,550; 6p $91,900; 7p $98,250; 8p $104,550.—
You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost AssistanceWilliamsburg; Poquoson · Gloucester; James City; York80% of area median incomeHousehold income may not exceed 80% AMI by size (Rev. 05/2026 flyer: 4-person $86,150; 1-person $60,350; 8-person $113,750).—

Questions, answered

What are the income limits for down payment assistance in Virginia?

87 down payment assistance programs in Virginia publish an income limit, a purchase price cap, or both. 72 express the limit as a percentage of the area median income for the county where the home is, and 56 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

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.

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