First Time Home Buyer in Virginia? You Could Get Help!

(Last Updated On: November 20, 2018)

Purchasing your first home can be a daunting task, but it doesn’t have to be hard! If you’re a first time home buyer in Virginia, you might be able to get help with your down payment, closing costs and interest rates!

Get more help buying a house with low income here!

Down payment assistance programs are available if you’re a first time home buyer in Virginia!

The Virginia Department of Housing and Community Development might be able to help with both closing costs and down payments. If you’re a first time home buyer in Virginia, you could get help with your down payment through the DHCD. You’ll have to meet their requirements. Funding for down payment assistance isn’t always available.

first time home buyer in Virginia

If you’re in a rural area of Virginia, you might be able to get help from the USDA. They offer a mortgage that provides 100% financing for people who qualify. In addition to being in a USDA-deemed rural area, you’ll need to meet other requirements if you want to qualify for the loan. With 100% financing, you won’t have to worry about a down payment, but you might have to still pay some closing costs.

Here are more resources to help you purchase a home in VA!

The Virginia Housing Development Authority might offer affordable homeownership programs to first-time home buyers. The department works with people who are purchasing a home for the first time and might be able to help you find an affordable home. The department might also be able to provide you with information related to financing while showing you programs you could use to make finding housing easier.

Even though the Habitat for Humanity has a waiting list most of the time, you might be able to qualify for help through the organization. You will need to meet their requirements just to get on the waitlist. After making it through the list, you’ll need to put in sweat equity to help build your home.

The USDA doesn’t just offer 100% financing mortgages. They also offer mortgages that might make it easier for you to get a lower interest rate. You might be able to use their programs to help make it easier to purchase a home.

If you’re a first time home buyer in Virginia, you could get help with the FHA loan. It’s reserved for first time home buyers and comes with a much lower requirement for people who have low income, who have less than perfect credit and who might not have a lot of money saved up for a deposit.  

We found programs for veterans & military.

If you’re a veteran or member of the military and a first time home buyer in Virginia, you could get help! The VA-backed loan comes with benefits that include lower interest rates and credit requirements. You might even be able to get your loan with little to no down payment! There are a variety of benefits that help make getting a VA-backed loan a great choice.

first time home buyer in Virginia

Counties could help if you’re a first time home buyer in Virginia!

Your county might provide help for buying a home to help with revitalization efforts and more! Counties offer programs like grants and loans you can use to help pay your down payment and so much more! You might be able to get help if you’re a first time home buyer in Virginia!

Accomac County

The Accomack-Northampton Planning District might be able to help you get into a new home. Not only do they have a variety of listings they can show people looking for a home in the area but they might also be able to help you with closing costs!

Albemarle County

If you’re a first time home buyer in Virginia, you might be able to get help through the housing department in Albemarle. There are a variety of resources that might make it easier for you to find a home in addition to resources that could help you pay for a home! You could use the assistance Albemarle offers in addition to other resources to make purchasing your home even easier!

Arlington County

If you’re looking for housing options in Arlington County, you might be able to get them through the Housing Corporation. There are a variety of resources available to help you find, finance and keep your house. You can check out everything the corporation has to offer and use their services to help you with every step of the homeownership process.

Augusta County

The Waynesboro Planning district could help you find a house to purchase. They might be able to offer some assistance from their grant funds.

Waynesboro redevelopment might be able to help if you’re a first time home buyer in Virginia. You could get assistance through the redevelopment corporation to help make purchasing a home much easier. They work with people who are low-income and might make purchasing a home possible without a lot of money saved up.

Bristol County

The Bristol Housing Find a Way organization could help you get into a home. They work with people who are in less than favorable housing situations and might be able to help you take the first steps toward homeownership. Even if they’re unable to help you get into a home of your own, they might be able to help with other housing needs.

Using the Federation of Appalachian Housing, you might be able to get help with your homeownership goals. The Federation works with people who are in different areas of the Appalachian mountains and might be able to help you find a house. They could also provide you with other housing assistance options.

Chesapeake City County

If you’re in Chesapeake, you could get help through the redevelopment agency. There are a variety of resources you could use to help you find a home when you’re looking for one. The organization might also offer help to people who want to find non-traditional financing. You could even get homeownership counseling to make owning your home better!

Danville City County

The Danville Southside Outreach Group could help people in Danville find housing options and financing for those housing options. They work with people who are low-income and people who might have less than perfect credit to help them find housing. They also work with a variety of community resources that could make it easier to purchase a home in the Danville area!

Fairfax County

If you’re in Falls Church, you might be able to get help through the office of housing. They offer programs to help people with their homeownership goals. You could get help as a first time home buyer in Virginia if you want to start looking for a house, finding help for buying a house or maintaining your home purchase.

The Fairfax Redevelopment Corporation might be able to help you find the assistance you need for purchasing a home. They offer resources that could help make it easier to purchase a home. Through Fairfax Redevelopment, you might be able to get help purchasing your home while you’re also able to use resources they offer to save money on your down payment or your closing costs!

Fredericksburg City County

Through Central VA housing in Fredericksburg, first time home buyers can get help with down payment and closing costs! You could even get money applied directly to your down payment so you can avoid having to pay huge costs out of pocket. The organization might also help connect you with financing if you don’t qualify for traditional home mortgage options.

Hampton Roads County

The Hampton Roads Center for Community Development might be able to help with a down payment or closing costs. You could get help through the community development division if you’re purchasing a home in the Hampton Roads area.

The planning district commission in Hampton Roads might also be able to provide some help. While they generally do not offer grants or assistance with down payments, they could offer options to help you learn more about housing that’s available as well as financing options for your new house.

James City County

If you’re a first time home buyer in Virginia looking for a house in Williamsburg, there are options available! Housing Partnerships, Inc. works with people purchasing a home in Williamsburg and might be able to provide you with resources to financing your house! They offer grants, assistance and even counseling programs that might make purchasing a home easier.

Loudon County

The Loudon County Office of Housing might be able to help if you’re purchasing a home in Loudon County. They offer help for people who are buying a home and could even provide you with access to different financing options. The county office does not generally provide grants, but they could direct you to different resources where you might be able to find a grant!

Montgomery County

Piedmont Housing Alliance could help if you’re a first time home buyer in Virginia. While they generally focus on helping people get into affordable housing options, they might also be able to help you find a house if you’re hoping to buy a home. The alliance has contacts in different areas that could help you find a house and find financing for that house.

Norfolk City County

You could get help through Norfolk Redevelopment! There are resources that might make it easier for you to find financing and find the house you’re looking for. This could also make it easier for you to find a home even if you have low income or you don’t have great credit. Since the organization works with people from a variety of financial backgrounds, they might be able to help you find what you’re looking for!

The Portsmouth Redevelopment and Housing Authority could help if you’re in or around Norfolk! They offer resources that might help you find a home. Even if you’re a first time home buyer with low-income and less than perfect credit, you could get help!

Petersburg City County

Petersburg Housing might make it easier for you to purchase a home in the area. They offer resources that could direct you to affordable housing opportunities. They do not give grants, but their resources might help you find a grant for a down payment.

Petersburg Pathways is one of the resources the housing authority uses. Not only can Petersburg Pathways help you figure out your finances and prepare yourself for a home purchase but they can help in other ways. They might be able to provide you with the information to find a home. The organization also has resources that could help you with a down payment and financing!

Prince William County

Are you in Prince William County and a first time home buyer in Virginia? You might be able to get help through the housing department’s community development division. If you plan to purchase a home to fix up or you want to find a home in a neighborhood that isn’t among the most popular in the county, you could get help! There are options available that might make it easier for you to purchase a home and to get assistance financing your first home purchase.

Richmond City County

The Richmond Better Housing Initiative might make it easier for you to find a house and find financing for a house. The coalition works to provide better housing options for people throughout Richmond and they might be able to offer resources that could help you find the best home for your needs. As a coalition, they could also provide you with assistance toward your down payment or closing costs.

The Richmond Southside Community Development organization might also be able to help you if you’re looking for a home in Richmond. They can provide you with housing listings as well as counseling to prepare you for purchasing a home. Depending on funding, they might have grants available that could make putting a down payment on a house easier.

Project: homes might help you find a home no matter what kind of income or credit situation you’re in! They provide help to people by giving them a chance to improve income situations and credit situations. They might also provide counseling and other resources to help you get into a home. Once you’re ready to purchase a home, the organization has resources that might make it easier to buy!

Roanoke City County

You could get assistance through Roanoke redevelopment if you’re in Roanoke and a first time home buyer in Virginia. The redevelopment agency works with people to help get them into homes so they can work toward neighborhood revitalization efforts. Resources could be available to help you save up for a home, get help with a down payment and stay in your house!

Virginia Beach City County

The VA beach department of housing and neighborhood preservation has some resources that could help you with a home. While they might not be willing to work with everyone who comes to them for help, they could provide you with resources that might make purchasing a home in a historic area easier.

The VA beach community development corporation also works with people who want to move into the Virginia Beach community. They have resources that could help you find a home as well as find financing for your home. The corporation might even be able to direct you to resources you can use to help get approved for a mortgage!

Warwick County

With the Newport News redevelopment agency, you might be able to get into a home easier than you think. The agency works to ensure Newport News continues thriving and that might mean they can help people when purchasing a home in the area. If you have dreams of a new home in Newport News, they might be closer than you think! The redevelopment agency could help you find a home and secure everything you need to get into a new house!

Wise County

Through the Wise County redevelopment and housing authority, you might be able to get help. They could offer grants and loans that might make it easier for you to purchase a home. Even if you’re a first time home buyer in Virginia and you know nothing about making your first home purchase, you could get help through Wise County!

Wythe County

Wytheville HOPE, inc. might be able to help if you’re in Appalachia and need assistance with homeownership resources. As the Mountain Shelter, the organization works to help people who want to own a home or live in a safe place! They also provide resources that could help you get out of a difficult poverty-related situation. The Mountain Shelter provides many resources to Wythe County residents.

Serious about buying a house? Don’t miss these other resources!

Get more free stuff in Virginia!



Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.