Shared-appreciation loan
Workforce Housing Program - For-Sale Component
New construction · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Virginia Beach County
Buying a home in Virginia Beach, VA
1 Virginia Beach program and 8 statewide.Virginia Beach 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.
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Only for Virginia Beach addresses
Virginia Beach’s own program
The Virginia Beach marketThe Virginia Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Virginia Beach
- 54.6% single-familysingle-family
- 18.5% townhousetownhouse
- 6% 2–4 units2–4 units
- 19.9% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
Condos count. Virginia Beach’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Virginia Beach’s homes were built
pre-19401970s2020+
39.7%
of Virginia Beach 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.
$92,968
Virginia Beach median household incomeMedian household income in Virginia Beach (Census, 2024)
Programs that publish an income limit usually set it as a share of Virginia Beach County’s area median income, adjusted for household size. See the published limits for Virginia Beach County
Free help nearbyFree help near Virginia Beach
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Virginia Beach’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Workforce Housing Program - For-Sale Component 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.
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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
Virginia Beach questions
Does Virginia Beach have its own down payment program?
Yes, one: Workforce Housing Program - For-Sale Component, a shared-appreciation loan (new construction, income limits). It is for homes inside Virginia Beach.
Can I use assistance on a condo in Virginia Beach?
Virginia Beach’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.
What is the income limit in Virginia Beach County?
Each program sets its own. Most published limits are a share of HUD’s area median income for Virginia Beach County, adjusted for household size. The published limits page lists each program’s limit.
Where can I take a homebuyer class near Virginia Beach?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Virginia Beach. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
23450 · 23451 · 23452 · 23454 · 23455 · 23456 · 23457 · 23458 · 23459 · 23460 · 23461 · 23462 · 23463 · 23464 · 23465 · 23466 · 23467 · 23468 · 23471 · 23479
Nearby in Virginia Beach
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.