What is Virginia Housing?

Virginia Housing (formerly VHDA) at virginiahousing.com provides Home Purchase Loans, a DPA Grant (no repayment), and Virginia Housing Plus for qualifying VA buyers.

What is Virginia Housing's DPA Grant?

The DPA Grant provides funds for down payment and closing costs that do not require repayment — a true grant. Income and purchase-price limits apply. Verify at virginiahousing.com.

Are Northern Virginia counties high-cost areas?

Yes — Arlington, Fairfax, Loudoun, Prince William, and surrounding NOVA counties have FHFA high-balance conforming limits. Many NOVA purchases require jumbo financing. Check current limits at fhfa.gov.

Does Virginia Housing serve repeat buyers?

Virginia Housing's DPA Grant is generally limited to first-time buyers (no ownership in past 3 years). Virginia Housing Plus and other programs may have different eligibility. Verify at virginiahousing.com.

Where can I find a HUD counselor in Virginia?

HUD lists approved housing counselors at hud.gov/states/virginia.

Mortgages in Virginia

Virginia is split between Northern Virginia (DC suburbs: Arlington, Fairfax, Loudoun, Prince William counties) — one of the most expensive and competitive markets in the country — and the rest of the state. Richmond and the Hampton Roads metro are more accessible. Rural Southwest Virginia is very affordable.

More Virginia guides

Personal Loans in Virginia Auto Insurance in Virginia Homeowners Insurance in Virginia Renters Insurance in Virginia Auto Loans in Virginia Student Loans in Virginia Life Insurance in Virginia High-Yield Savings in Virginia

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