Help to buy in Virginia
Home-buying assistance programs in Virginia
3 official programs for down payment and closing cost help in Virginia, from Virginia Housing. We show what each program says on its own page, with the date we checked it.
Key numbers in Virginia
- Verified programs
- 3
- from Virginia Housing
- First-time buyers only
- 2
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Grant
Grant you never repay
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Type not stated
The source does not say the type of help
The full list
Programs in Virginia
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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Virginia state agency down payment grant that you do not repay; for first-time buyers, or any buyer in economic opportunity zones, with a Virginia Housing mortgage
What it gives, per the source
The Down Payment Assistance Grant is a true grant, meaning you never need to repay it.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Virginia Housing (Virginia Housing Development Authority)
Verified November 5, 2026
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- Type not stated
Virginia Housing 30-year fixed-rate second mortgage of up to 5% of the price for the down payment (and part of the closing costs with a credit score of 680 or higher); for first-time buyers and for people who have owned a home before
What it gives, per the source
The Virginia Housing Plus Second Mortgage pairs an eligible Virginia Housing first mortgage with a Virginia Housing second mortgage that covers the down payment. For certain credit qualified borrowers it will cover all or a portion of the closing costs. This is a 30-year, fixed-rate loan with no prepayment penalty. … The amount of the second mortgage will depend on your credit score and the type of first mortgage you receive, but the maximum will be 5% of your home’s purchase price.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Virginia Housing (Virginia Housing Development Authority)
Verified November 5, 2026
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Virginia Housing grant that you do not repay, of up to 2% of the price, for the closing costs of buyers with a Virginia Housing RD (Rural Development) or VA loan
What it gives, per the source
This grant requires no repayment and can be used with other non-Virginia Housing grants as well. … This grant may be worth up to 2% of your home’s purchase price. Funds may be applied to closing costs, Rural Development (RD) guarantees or Veterans Affairs (VA) funding fees. And, you never have to pay it back.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Virginia Housing (Virginia Housing Development Authority)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Virginia
One program we checked in Virginia to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program (WAP)
Run by Virginia Department of Housing and Community Development (DHCD)
Virginia weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Virginia?
Of the 3 programs on this page, 2 require it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.