Virginia Housing (VHDA)
Virginia Housing First-Time Homebuyer Loan is available in Charlottesville, VA.
Below-market interest rate mortgages for first-time homebuyers in Virginia through Virginia Housing. Flexible underwriting, low down payment options, and down payment assistance available. Must use participating lender and complete homebuyer education.
Interest rate savings vary by market conditions; typical savings of 0.5-1.0%
Official source site checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Charlottesville, VA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Charlottesville, VA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Ongoing program through participating lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programApply directly with Virginia Housing (VHDA) using the official program link on this page or call (877) 843-2123. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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