VA Down Payment AssistanceVirginia Down Payment Assistance Programs
Comprehensive guide to Virginia DPA programs through Virginia Housing Development Authority (VHDA). Get up to Up to 2.5% of loan amount to help with your down payment and closing costs.
Virginia DPA Programs
Virginia Housing Development Authority (VHDA) offers multiple down payment assistance programs to help Virginia homebuyers achieve homeownership with reduced upfront costs.
Provides assistance as a grant (no repayment required) for eligible first-time buyers.
Additional assistance covering closing costs and prepaid expenses.
| Program | Type | Amount | Forgiveness |
|---|---|---|---|
| Down Payment Assistance Grant | Grant | Up to 2.5% of loan amount | N/A |
| SPARC (Settlement Plus Assistance for Recurring Costs) | Deferred Loan | Up to 2% of loan amount | N/A |
Eligibility Requirements
To qualify for Virginia down payment assistance programs, you typically need to meet these requirements:
- First-time homebuyer or haven't owned in 3 years
- Minimum credit score of 620
- Property must be in Virginia and primary residence
- Meet income and purchase price limits
- Complete homebuyer education
Step-by-Step Guide to Applying for Virginia Down Payment Assistance
Follow these steps to access Virginia down payment assistance programs through duPont Lending
Get Pre-Qualified
Complete our quick online application to determine your eligibility and loan options.
Choose Your Program
Work with your loan officer to select the best Virginia DPA program for your situation.
Complete Education
Complete required homebuyer education course (we'll guide you to approved providers).
Close on Your Home
Finalize your loan with down payment assistance applied, reducing your upfront costs.
Ready to Access Virginia Down Payment Assistance?
Get pre-qualified in minutes and discover which Virginia DPA programs you qualify for. Our experienced team will guide you through every step of the process.
Official Virginia Resources
For more information about Virginia down payment assistance programs
Virginia Housing Development Authority (VHDA)
Official state housing finance agency administering DPA programs in Virginia
Visit Official WebsiteNeed help navigating Virginia DPA programs? Our team specializes in down payment assistance and can help you determine which program is best for your situation.
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