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Virginia Housing Government Home Loans (FHA, VA, and USDA)

Virginia Housing

FHA: 3.5% down; eligible VA/USDA: 100% financing

Virginia Housing offers FHA, VA, and USDA/Rural Housing Service 30-year mortgages, including bond versions that may pair with a Virginia Housing grant.

Repayable loan

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 repayThis is a 30-year first mortgage that must be repaid under the loan terms; it is not a grant.

Who can apply

About you

FHA options allow a 3.5% down payment and publish a 620 minimum credit score.
Eligible VA and USDA/Rural Housing Service options offer 100% financing and publish a 620 minimum credit score.
Non-bond options may serve repeat buyers.
Bond options may pair with Virginia Housing assistance when the separate grant rules are met.

The home

First-time status is generally required for bond loans unless the purchase is in an Area of Economic Opportunity.

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

Reader request

Want us to check this program?

Ask HomeBase to re-check Virginia Housing Government Home Loans (FHA, VA, and USDA)’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 Government Home Loans (FHA, VA, and USDA)(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
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Albemarle County Homebuyer Assistance Program (ACHAP)Albemarle County Office of Housing / Piedmont Housing Alliance
A zero-interest, deferred-payment down-payment loan for eligible first-time buyers purchasing in Albemarle County.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alexandria Employee Homeownership Incentive ProgramCity of Alexandria Office of Housing
$15,000 up to 80% AMI; $11,500 at 80%-120% AMI; $7,500 above 120% AMI, subject to current limits.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alliant Advantage MortgageAlliant Credit Union
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AppCAA First-Time Homebuyer Loan and SPARC ProgramAppalachian Community Action and Development Agency
Nonprofit loan packaging for USDA 502 Direct financing and access to a one-percentage-point SPARC mortgage-rate reduction.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
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 Government Home Loans (FHA, VA, and USDA) (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.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

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.

Check everything you’re bringing to closing — gifts, seller credits, employer help →

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