Virginia First-Time Home Buyer Programs 2026
Up to $10,000 DPA available through Virginia Housing Development Authority (VHDA). VHDA Down Payment Assistance Grant offers up to $10K — and it's a true grant (never repaid).
Max Assistance
Up to $10,000 DPA
Type
Grant or deferred loan
Min Credit
620+
Max Home Price
$500,000
Ready to apply for Virginia assistance?
Get pre-approved in minutes — your lender will connect you with VHDA programs automatically.
Virginia First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| VHDA DPA Grant Best — free grant | Up to $10,000 | Grant (never repaid) | 620+ | $85K–$143K |
| VHDA Mortgage Credit Certificate Stack with DPA grant | Up to $2K/yr | Federal tax credit | 620+ | Same |
Eligibility Requirements
- ✓620+ credit score
- ✓Income within VHDA limits
- ✓Homebuyer education required
- ✓Primary residence in Virginia
Pro Tip
Available statewide: Virginia Beach, Norfolk, Chesapeake, Richmond, Arlington.
How to Apply for Virginia Programs
Get Pre-Approved
Work with a VHDA-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The Grant or deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Virginia Housing Development Authority
VHDA — Virginia official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Virginia?
The best program in Virginia is the VHDA DPA Grant, which offers Up to $10,000 as a Grant (never repaid). Minimum credit score: 620. Income limit: $85K–$143K.
How much down payment assistance is available in Virginia?
Virginia offers up to Up to $10,000 DPA through Virginia Housing Development Authority (VHDA). The assistance is structured as a Grant or deferred loan. Income limits are $85,000–$143,000 depending on household size and county.
What credit score do I need for Virginia first-time buyer programs?
Most Virginia programs through VHDA require a minimum credit score of 620. Some programs may accept lower scores with compensating factors. Check with an VHDA-approved lender for your exact score requirements.
What is the income limit for Virginia first-time buyer programs in 2026?
In 2026, Virginia income limits are $85,000–$143,000 depending on household size and county. The home price limit is $500,000. These limits are set by Virginia Housing Development Authority.
Don't Leave Up to $10,000 DPA on the Table
Pre-approval is free. Your lender will apply for VHDA programs automatically — no extra work for you.
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