Virginia Housing Closing Cost Assistance Grant
Virginia Housing
Up to 2% of the price
A grant of up to 2% of the price toward closing costs, for buyers using a Virginia Housing VA or USDA loan.
Grant
Locations listed in HomeBase: Virginia
This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.
How and when you repayYou never pay this back — it's a grant. It covers closing costs only, and you use it alongside an eligible Virginia Housing VA or USDA loan.
Who can apply
About you
- Must use a VA or USDA first mortgage through Virginia Housing.
- Income limits vary by county and household size.
- Funds cover closing costs, including discount points, prepaid items, and the VA funding fee or USDA guarantee fee.
- Can be combined with other non-Virginia Housing grants.
The home
- Must not have owned a home in the past 3 years.
The program makes the final eligibility decision.
Full requirements, documents, and history
Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history
Documents needed
- CCA Grant Award Letter
- First-mortgage program documents
Reader request
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Ask HomeBase to re-check Virginia Housing Closing Cost Assistance Grant’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.
What can I combine this with?
Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.
Show what stacks with Virginia Housing Closing Cost Assistance Grant(12 to check)
Worth asking about(12)
No published rule either way. One phone call settles it — and the answer can be worth thousands.
- Affinity HomeAdvantage Cash RewardsAffinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Affordable Loan Solution®Bank of America
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Affordable Loan Solution®. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Albemarle County Homebuyer Assistance Program (ACHAP)Albemarle County Office of Housing / Piedmont Housing Alliance
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Albemarle County Homebuyer Assistance Program (ACHAP). Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Alexandria Employee Homeownership Incentive ProgramCity of Alexandria Office of Housing
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Alexandria Employee Homeownership Incentive Program. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Alliant Advantage MortgageAlliant Credit Union
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Andrews Federal FHLB First-Time Homebuyer GrantAndrews Federal Credit Union through the Federal Home Loan Bank
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- AppCAA First-Time Homebuyer Loan and SPARC ProgramAppalachian Community Action and Development Agency
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at AppCAA First-Time Homebuyer Loan and SPARC Program. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Arlington County Moderate-Income Purchase Assistance Program (MIPAP)Arlington County Housing Division
An open Arlington deferred second mortgage of up to 25% of the purchase price or $112,500 for down payment and closing costs, with shared appreciation at repayment.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Arlington County Moderate-Income Purchase Assistance Program (MIPAP). Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Arlington Moderate-Income Purchase Assistance Program (MIPAP)Arlington County Housing Division
An open 30-year, no-interest second mortgage of up to $112,500 for an eligible first-time Arlington buyer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Arlington Moderate-Income Purchase Assistance Program (MIPAP). Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Atlantic Union Bank STAR Portfolio Loan ProgramAtlantic Union Bank
A portfolio first mortgage for an eligible low- or moderate-income buyer or property, offering no mortgage insurance and up to 100% combined financing with the bank’s Closing the Gap second lien.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Atlantic Union Bank STAR Portfolio Loan Program. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- BayPort Home PLUS MortgageBayPort Credit Union
A no-down-payment, no-PMI mortgage for first-time buyers or buyers who have not owned for three years.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at BayPort Home PLUS Mortgage. Can it be used on the same purchase as Virginia Housing Closing Cost Assistance Grant (Virginia Housing)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.
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