Provides direct loans to borrowers who cannot obtain financing elsewhere. They must have good credit and meet reasonable underwriting criteria. Loans are for home ownership opportunities and assistance to low-income households to purchase, construct, and repair a home. Loans can be up to 100% loan to value ratios. Qualified individuals may be eligible to receive payment assistance which may reduce their payment from the established note rate of interest. SEE RURAL DEVELOPMENT WEBSITE FOR ELIGIBLE RURAL AREAS.

Prince William County offers a First-Time Homebuyer (FTHB) Program which provides homeownership opportunities for low and moderate-income persons living or working in the Prince William Area (Prince William County, City of Manassas or City of Manassas Park) with incomes at or below 80% of Area Median Income through the use of federal funding. The FTHB Program provides assistance to eligible households for downpayment and closing cost assistance, with maximum assistance between 23% -33% of the approved sales price as determined by OHCD and Lender subject to income limits. All financial assistance is made available to eligible households on a non-discrimination basis subject to the availability of funds.

The HOME Investment Partnerships Program (HOME) provides resources to fund a wide range of activities including building, buying, and/or rehabilitating affordable housing for rent or homeownership or providing direct rental assistance to low and moderate income families and individuals in the Counties of Isle of Wight and Southampton.

Loans available for purchase of a new septic system or upgrades to an existing septic system: Up to $15,000. Septic Loans are now at 1% interest, 5-10 year loan term, and available in the following states: DE, MD, VA, NC, SC, GA, FL, CT, MA, ME, NH, NJ, NY, PA, RI, VT.

Provides an ecumenical Christian housing ministry which seeks to eliminate poverty housing by building decent affordable homes for qualified low-income families to purchase and live in. Volunteers welcomed from all walks of life.

Down Payment/Closing Cost Assistance or Down Payment/Closing Cost Plus Program for first-time homebuyers purchasing a home either through the Affordable Dwelling Unit (ADU) program or purchasing an existing market rate home can borrow up to 10% of the sales price or $70,000, whichever is less. This loan is forgivable over 15 years. Public Employee Homeownership Grant Program (PEG) offers a grant of a secured loan to full or part-time public employees (Loudoun County Government, Loudoun County Public Schools, Constitutional Offices).

Offers no-interest, deferred repayment loans to assist low-income home buyers with down payment and closing costs for the purchase of a home in the City. Applicants may also be eligible for the CHRP Program, which reduce Virginia Housing Development Authority (VHDA) mortgages 1% lower than VHDA's published First-Time Homebuyer mortgage interest rate.

Provides financial assistance to low income families for home owner opportunities for single or multi-family housing. Provides rural utilities assistance and community programs.

Offers down payment assistance, funded by Virginia DHCD, designed to create affordable housing for low to moderate income households. Call for application procedures. NO EMERGENCY FINANCIAL ASSISTANCE.

Virginia Housing provides mortgages, downpayment assistance and closing costs primarily for first-time homebuyers.

Helps low and moderate income families purchase their first home using a combination of special low interest financing and down payment assistance.

Affordable home ownership and down payment assistance, fair housing, housing rehabilitation, nuisance code enforcement, and commercial facade loan program.

This program provides low-interest loans for homebuyers, down payment and closing costs assistance, home repair loans and a Homeownership Education Program. Staff also provides housing counseling which includes budget and credit counseling, mortgage default and foreclosure counseling, Fair Housing counseling, and financial management.

***Provides MORTGAGE DOWN PAYMENT or CLOSING COST assistance ONLY. Do not refer for rent or mortgage payment assistance.*** Provides financial assistance to families or individuals seeking to buy a home in the City for use as their personal residence. Assistance provided for home purchase in the City of Roanoke only. Eligibility depends on your total household income with income caps dependent on the number of people in the household. Loan funds are available for up to 50 percent of the required down payment plus reasonable closing costs. This assistance is in the form of a 10 year, forgivable, no interest loan of $1,000 to $8,000 maximum. Funds are available on a first come, first served basis. If the home you're purchasing was built before 1978, the City requires a visual assessment of potential lead-based paint hazards. The DPA will not assist homes with potential lead based hazards.

Helps qualified low income families become homeowners. Provides training in budgeting, credit and homeownership skills. Also participates in the Regional Loan Fund program for reduced interest rate mortgage funds and federal grants for down payment assistance. Serves the residents of all five counties of the Rappahannock-Rapidan District. In Madison, Culpeper, Orange and Rappahannock counties. In Madison, Culpeper, Orange and Rappahannock counties, contact Jackie Sill at 540-341-2805

Provides flexible gap financing for first time homebuyers at or below 80% of the area median income to purchase a home that is safe, decent and accessible. Clients select home of their choice and the program helps the client get into the home with financial assistance. The agency may have a home that it has rehabilitated for sale from time to time and clients may consider that home for purchase, as well.

Provides a government lending arm for housing program and repairs for low and very -income applicants across Virginia Also Rural Developemnt provides funding to very low and low income applicants to purchase or build homes.

This program provides low-interest loans for homebuyers, down payment and closing cost assistance, home repair loans, and a Homeownership Education Program. Staff also provide housing counseling which includes budget and credit counseling, mortgage default and foreclosure counseling, Fair Housing counseling, and financial management.

Administers the HOMEownership Down Payment Assistance Program that assists low income, first time home-buyers with grants to cover closing costs and housing payments. Also administers the SPARC Program which provides lower interest mortgages. Programs we currently provide... Pre-purchase Counseling HOMEownership Down Payment Assistance Program (HDPAP) Homeownership Education Classes.

Assist residents of the City of Danville with home repairs. Also provide first time homebuyer assistance.

Provides direct loans to borrowers who cannot obtain financing elsewhere. They must have good credit and meet reasonable underwriting criteria. Loans are for home ownership opportunities and assistance to low-income households to purchase, construct and repair a home. Loans can be up to 100% loan to value ratios. Qualified individuals may be eligible to receive payment assistance which may reduce their payment from the established note rate of interest.

Assists low and moderate income households purchase homes by helping pay down payment and closing costs. For more information, please call: Rental Office: (434)326-4672 Central Office: (434)326-4748

Low-income individuals and families partner with Richmond Habitat to purchase a new or rehabbed home. Those purchasing from Richmond Habitat's program are required to partner with Habitat by volunteering on their home or the home of others in the program, volunteering at the ReStore and also attending educational classes. The program is an affiliate of Habitat for Humanity International; it shares its world wide goal of eliminating substandard housing. Families are selected on a non discriminatory basis and volunteers are welcome from all segments of the community.

Administers the Thomas Jefferson Workforce Housing Fund to help members of the workforce purchase homes. This fund includes the CAAR Workforce Housing Fund which helps teachers, fire fighters, nurses, and police officers who reside in Planning District 10 purchase housing and a City of Charlottesville fund for members of the workforce who reside in the City of Charlottesville.

Habitat works toward this vision by building and improving homes in partnership with individuals and families in need of a decent and affordable place to live.