Your real Virginia affordability, the Virginia Housing Down Payment Assistance Grant match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Virginia number — free →The Virginia Housing Down Payment Assistance Grant is Virginia's flagship statewide down payment assistance, administered by the state housing finance agency (grant / plus second mortgage). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Virginia often add their own programs on top.
Official Virginia program page →Virginia's main statewide option is the Virginia Housing Down Payment Assistance Grant — grant / plus second mortgage administered by the state housing finance agency. Many cities and counties in Virginia add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Virginia assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official Virginia Housing Down Payment Assistance Grant page before applying.