Piedmont Housing Alliance
Up to $0 toward a down payment in VA.
Piedmont Housing Alliance administers funds loaned for down payment and closing costs to first-time homebuyers in the Charlottesville region. Assistance is a deferred-payment subordinate loan with no required monthly payments; repayment is triggered only on sale, refinance, or moving out. Most funds come from outside sources, each with its own eligibility and terms. Households generally must be below 80% AMI, first-time buyers, 620+ credit, contribute at least 1% of their own money, and hold no more than 10% of purchase price in liquid assets.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on Down Payment & Closing Cost Loan Program: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from July 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.