Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.
Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.
Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.
The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.
Statewide and Regional Programs
Virginia Department of Housing and Community Development’s DHCD down payment assistance – combines downpayment and closing cost assistance with a mortgage for first-time homebuyers.
United States Department of Agriculture – homeownership subsidies and grants to income-eligible homebuyers. (804) 287-1598
Virginia Affiliates of Habitat for Humanity – work with other volunteers to build or renovate a home for yourself and your family.
Virginia Individual Development Account program
U.S. Department of Veterans Affairs Roanoke Regional Loan Center
Community Housing Partners, Inc.
Christiansburg branch office (540) 382-3002
Richmond branch office (804) 278-9781
Virginia Beach branch office (757) 425-5826
Winchester branch office (540) 662-8960
Regional and Local Organizations
Hampton Roads Area
Center for Community Development
Hampton Roads Planning District Commission
For Franklin, Isle of Wight, James City and York counties and cities of Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach and Williamsburg
Housing Partners Inc.
Newport News Redevelopment & Housing Authority
Norfolk Redevelopment & Housing Authority
Suffolk Redevelopment & Housing Authority
Virginia Beach Department of Housing & Neighborhood Preservation
Williamsburg Redevelopment & Housing Authority
Virginia Beach Community Development Corporation
James City County Office of Housing
Chesapeake Redevelopment & Housing Authority
Portsmouth Redevelopment & Housing Authority
York County Office of Housing
Southwest Virginia Area
Wise County Redevelopment and Housing Authority
Wytheville Redevelopment and Housing Authority
Bristol Redevelopment & Housing Find-a-Way Program
Federation of Appalachian Housing Enterprise
Serves Alleghany, Bath, Bland, Botetourt, Buchanan, Carroll, Craig, Dickenson, Floyd, Giles, Grayson, Highland, Lee, Montgomery, Rockbridge, Russell, Scott, Smyth, Tazewell, Washington, Wise and Wythe counties.
People Incorporated of Southwest Virginia
Helping Overcome Poverty’s Existence, Inc. (HOPE)
Appalachia Service Project
Serves Smyth, Washington and Wythe counties
Middle Peninsula & Northern Neck Area
For Essex, Gloucester, Goochland, King & Queen, King William, Lancaster, Mathews, Middlesex, New Kent, and Northumberland counties.
Accomack-Northampton Planning District Council
Virginia Eastern Shore Economic Empowerment and Housing Corporation
Shenandoah Valley Area
Staunton Redevelopment and Housing Authority
Central Shenandoah Planning District Commission
For Augusta County and the cities of Harrisonburg, Staunton, Waynesboro
Harrisonburg Redevelopment & Housing Authority
Waynesboro Redevelopment & Housing Authority
Hope Community Builders
Northern Shenandoah Valley
Sherwood Associates, Inc.
Blue Ridge Housing Network
For Clark, Frederick, Page, Shenandoah counties and city of Winchester
City of Winchester, Office of Housing & Neighborhood Development
Northern Virginia Suburbs
Northern Virginia Regional Commission
Michelle Simmons, (703) 642-0700
Arlington Housing Corporation
City of Falls Church Office of Housing
Loudoun County Office of Housing Services
Prince William County Office of Housing
Arlington County Housing Division
Fairfax Redevelopment & Housing Authority
Manassas Housing Trust Fund, Inc.
Petersburg Redevelopment & Housing Authority
For Dinwiddie, Greensville, Prince George, Surry and Sussex counties and the cities of Colonial Heights, Emporia, Hopewell, and Petersburg
Virginia Supportive Housing
Local Initiatives Support Corporation
For Charles City, Chesterfield, Hanover, Henrico and Powhatan and the city of Richmond.
Richmond Redevelopment & Housing Authority
Richmond.Alliance to Conserve Old Richmond Neighborhoods, Inc.
Better Housing Coalition, Inc.
NeighborWorks Resource Group Richmond
Southside Community Development & Housing Corporation
Serves Richmond metropolitan area
Housing Opportunities Made Equal, Inc. (H.O.M.E.)
Roanoke Valley Area
Roanoke Redevelopment & Housing Authority
Total Action Against Poverty, Inc.
Northwest Neighborhood Environmental Organizations, Inc.
Roanoke Department of Housing and Neighborhood Services
Town of Blacksburg Housing & Community Development
Lynchburg Neighborhood Development Foundation
For Amherst, Appomattox, Bedford and Campbell and Lynchburg
Piedmont Housing Alliance
For Albemarle, Fluvanna, Green, Louisa and Nelson counties and Charlottesville
Albemarle County Office of Housing
Albemarle Housing Improvement Program
Fluvanna/Louisa Housing Foundation
Nelson County Development Foundation
CAAR Workforce Housing Fund
For Brunswick, Halifax, Henry, Mecklenberg, Patrick, Pittsylvania and cities of Danville and Martinsville
Danville Office of Housing and Community Development
Danville Redevelopment & Housing Authority
Martinsville Redevelopment and Housing Authority
Pittsylvania Community Action, Inc.
Southside Outreach Group
Serve Charlotte, Halifax, Henry and Pittsylvania counties and Martinsville and South Boston.
Many communities support local home repair programs using money from HUD. Ask the contacts in your community if they support any home repair programs in your area.
Community Development Block Grant Contacts
HOME investment Partnership Contacts