Down payment assistance · Stafford County
Buying a home in Stafford, VA
8 statewide.Stafford has no program of its own, and 8 statewide. Here is what each one offers, and who near you can walk you through it.
What’s local to Stafford
No program of Stafford’s own yet
No program run for Stafford or for Stafford County alone is listed. A home in Stafford can use the Virginia statewide and federal programs below.
The closest city that runs its own program is Fredericksburg, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Income limits in Stafford County
How programs here set their income limits
14 of the 70 programs here set their income limit as a share of Stafford County’s area median income, adjusted for household size. See the published limits for Stafford County
Free help nearbyFree help near Stafford
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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 Virginia and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
- Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance ProgramUp to $40,000 · Deferred second loan
- HOMEownership Down Payment Assistance Program (VHCDC)Up to $25,000 · Forgivable loan
- Virginia Individual Development Account (VIDA) Program (VHCDC)Up to $10,000 · Down-payment assistance
Stafford questions
Does Stafford have its own down payment program?
No program run for Stafford alone is listed. A home in Stafford can use the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Stafford?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Stafford County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Stafford County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Stafford?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Stafford. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
22554 · 22555
Nearby in Stafford
Sources
Sources: agency sites (June–July 2026), 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–July 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.