Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro

Up to $11,000 toward a down payment in VA.

Location: VA
Type: Forgivable assistance
Max assistance: $11,000
Income limit: $78,800
Min. credit score: 620
First-time buyer: Required
Property types: Single family, Townhouse, Condo, Manufactured, 2–4 unit (owner-occupied)

A regional first-time homebuyer down payment and closing cost assistance program administered by the Central Shenandoah Planning District Commission using Virginia DHCD HOMEownership (HOME) funds. Offers a 0% interest forgivable loan of up to 10% of purchase price for down payment plus up to $2,500 for closing costs (max total $11,000), forgivable after a 5-year affordability period, to first-time homebuyers at or below 80% AMI in the Central Shenandoah region including the cities of Staunton and Waynesboro.

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Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro, explained

A short, free course on Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro: what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

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Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.