Chesapeake · Chesapeake County
Call Chesapeake HOME Program
Deferred second loan · 80% of area median income
Programs by loan typePrograms by loan type · Virginia
Down payment assistance you can pair with a conventional loan in Virginia
47 programs name conventional loans: 10 city, 32 county or regional, 5 statewide.47 programs in Virginia name conventional loans among the first mortgages they can be paired with: 10 run by a city, 32 by a county or regional agency and 5 open statewide.
Two approvals, made separately. The lender underwrites the conventional loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the conventional loan; the assistance program reviews its own application. A program naming conventional means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 47 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Virginia. Listed A–Z within each group, not ranked.
In a Virginia city 10 programs
For homes inside that city’s limits onlyAlexandria · Independent City County
City of Alexandria Employee Homeownership Incentive Program (EHIP)
Deferred second loan · 120% of area median income
Falls Church · Falls Church City County
City of Falls Church Affordable Homeownership Program (CFCAHP)
Shared-appreciation loan
Portsmouth · Portsmouth County
Come HOME to Portsmouth
Deferred second loan · 80% of area median income
Newport News · Newport News County
First Time Homebuyer Assistance Program
Deferred second loan · 80% of area median income
Alexandria · Alexandria City County
Flexible Homeownership Assistance Program (FHAP)
Deferred second loan · 100% of area median income
Suffolk · Suffolk County
HOME Downpayment and Closing Cost Assistance
Deferred second loan · 80% of area median income
Norfolk · Norfolk County
HOME Program
Deferred second loan · 80% of area median income
In a county or region 32 programs
For homes anywhere in the county or the counties namedLee; Scott; Wise; Norton City; Dickenson County
Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance
Deferred second loan · 80% of area median income
Staunton City|Waynesboro City County
Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro
Forgivable loan · 80% of area median income
Loudoun County
Down Payment / Closing Cost Assistance Program Plus (DPCC Plus)
Deferred second loan · 100% of area median income
Roanoke County
Down Payment Assistance (DPA)
Deferred second loan · 80% of area median income
Albemarle|Charlottesville City|Fluvanna|Greene|Louisa|Nelson County
Down Payment Programs
Deferred second loan · 120% of area median income
Loudoun County
Down Payment/Closing Cost Assistance Program (DPCC)
Deferred second loan · 70% of area median income
Fairfax County
Fairfax County Homeownership Program
Forgivable loan · 100% of area median income
Henrico County
First Time Homebuyers - Downpayment and Closing Cost Assistance
Deferred second loan · 80% of area median income
Anywhere in Virginia 5 programs
Can sit alongside a city or county program where both allow it- Down Payment Assistance GrantAssistance grant · First-time homebuyers
- Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance ProgramUp to $40,000 · Deferred second loan · First-time homebuyers
- Homeownership Down Payment Assistance Program (DPA)Deferred second loan · First-time homebuyers
- Plus Second MortgageDeferred second loan · First-time homebuyers
- Virginia Individual Development Accounts (VIDA)Deferred second loan · First-time homebuyers
Nationwide 54 programs · not in the 47
Nationwide: 54 more, not in the 4754 nationwide programs that also name conventional loans, each with its own area and eligibility rules
- America First Credit Union 100% No PMI Adjustable-Rate Mortgage
- American Pacific Mortgage 1% Home Program
- American Pacific Mortgage Pathway DPA
- BNY Down Payment Assistance
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Citibank, N.A. HomeRun Mortgage
- Confederated Tribes of Grand Ronde Down Payment Assistance
- CrossCountry Mortgage Community Promise
- CrossCountry Mortgage Smart Start Down Payment Assistance Program
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- First Bank Thrive Mortgage Loan
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 1% Down Program
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage Doctor and Medical Professionals Program
- Guild Mortgage MyPath2Own Program
- Guild Mortgage Zero Down Mortgage Program
- HSBC Bank USA CommunityWorks
- HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- NACA Homeownership through Public Housing Assistance (HOT-PHA)
- NACA's New Construction Homes
- NASA FCU $0 Down, No PMI Mortgage Purchase
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Northpointe Bank ONE+ Loan Program
- Pathway Homes Essential Workers Program
- All nationwide programs →
What to know
What the 47 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 47 of 47
ask for a homebuyer education class.
- 44 of 47
are limited to first-time homebuyers, as each program defines it.
- 34 · 7 · 3
are deferred second loans, forgivable loans and shared-appreciation loans. The other 3 are 2 assistance grants and 1 other assistance.
Free help in VirginiaFree help in Virginia
55 HUD-approved counseling agencies in Virginia55 HUD-approved housing counseling agencies in Virginia
All 47 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a conventional loan fit together.All 47 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Virginia’s programs
Questions, answered
Can down payment assistance be used with a conventional loan in Virginia?
47 programs in Virginia name conventional loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming conventional loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.