Virginia Housing Rehabilitation Loan Program

Virginia Housing (VHDA)

Available Home Repair

About This Program

Virginia Housing Rehabilitation Loan Program is available to homeowners in Chesapeake, VA.

Low-interest home improvement loans up to $40,000 at 1% interest for moderate-income Virginia homeowners. May be combined with a Virginia Housing first mortgage for purchase-rehab transactions. Available through participating lenders statewide.

Low-interest loan at 1% for home improvements

Official program page checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

In Chesapeake, VA, you can combine this program with other local help to cut your cost:

Key Details

  • Loan up to $40,000 at 1% interest
  • Income limits apply (moderate income)
  • Owner-occupied homes in Virginia
  • Can combine with purchase mortgage
  • Available through participating lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 843-2123

A grant-savvy contractor in Chesapeake, VA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Chesapeake early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

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 through participating lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Virginia Housing Rehabilitation Loan Program provide in Chesapeake, VA?

Up to $40,000 loan at 1% interest.

Who qualifies for Virginia Housing Rehabilitation Loan Program in Chesapeake?

Virginia Housing Rehabilitation Loan Program is open to homeowners in Chesapeake, VA.

How do I apply for Virginia Housing Rehabilitation Loan Program in Chesapeake, VA?

Apply 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.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Chesapeake, VA contractors

Find More Programs in Chesapeake, VA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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