Virginia Down Payment Help: State Grants, Second Mortgages and Northern Virginia Programs
Virginia Housing grants, the Plus Second Mortgage, and county programs in Fairfax, Arlington and Loudoun. Answer 5 quick questions to see which ones you may qualify for.
Listed as open as of October 2, 2026: the Virginia Housing DPA Grant, Closing Cost Assistance Grant and Plus Second Mortgage. Paused or closed: SPARC rate reductions (expected to reopen in January 2027) and FirstHome Dream. Confirm current status with a Virginia Housing-approved lender. Checked October 2, 2026.
Virginia first-time buyer programs & credentials
Real First-Time Buyers
The best part of the job — handing over the first set of keys.
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Keys In Hand
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First-Time Buyer
Solo buyer closing day
Home Sweet Home
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A New Chapter
First-time homeowner
Welcome Home
First-time buyer · Samson Properties closing
Closing Day
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Buyer success story
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Programs & Services
Virginia Programs Worth Knowing
Virginia buyers can combine statewide help from Virginia Housing with county and city programs in Northern Virginia. Start with the one that fits, then check your eligibility for all of them.
100% free. No obligation. We’ll point you to the right programs.
Virginia Housing Down Payment Assistance Grant
A grant from Virginia Housing toward your down payment: up to 2% of the price with a Virginia Housing Conventional Bond first mortgage, or 2.5% with an FHA Bond first mortgage. It is a gift, not a loan.
Virginia Housing Plus Second Mortgage
A 30-year fixed, fully amortizing second mortgage loan from Virginia Housing that you repay. It is sized by percentage tiers and is open to first-time and repeat buyers.
Virginia Housing Closing Cost Assistance Grant
A grant from Virginia Housing of up to 2% of the price for closing costs, paired with a Virginia Housing VA Bond or RD Bond first mortgage.
Fairfax County Down Payment Loan
A shared-equity loan of up to $50,000 from Fairfax County for first-time buyers at or below 80% of area median income.
Arlington County Moderate-Income Purchase Assistance Program (MIPAP)
A 0% interest loan from Arlington County, deferred 30 years with shared appreciation, of up to 25% of the price for first-time buyers.
Loudoun County DPCC and DPCC Plus
0% interest loans from Loudoun County, forgivable over 15 years, of up to 10% of the price or $70,000, whichever is less.
The Process
How It Works
Check eligibility
2 minutes. We’ll map the best-fit programs for your situation.
Get matched
We’ll outline the Virginia Housing and Northern Virginia county options that fit and explain the real numbers.
Book a consult
Get pre-approved with a Virginia Housing-approved lender and a clean plan for limited funding.
Buy with confidence
Tour homes, write strong offers, and use assistance the smart way.
Virginia Down Payment Assistance, Answered
What We Help With
Kind Words
5.0-star rated by verified clients
My wife and I had the pleasure of working with Ronnie on our first home purchase and we both HIGHLY recommend him!
I went into this process not knowing much about the home buying process but he guided me through it all and made it easier for me as a first time homebuyer!
Next Step
See Which Virginia Programs You Qualify For — In 2 Minutes
Answer a few questions and we’ll map the best-fit programs based on your income, credit, and where you want to live in Virginia.