Virginia Housing Renovation and Accessibility Loan

Virginia Housing (formerly VHDA)

Available Home Repair

About This Program

Virginia Housing Renovation and Accessibility Loan is available to homeowners in Norfolk, VA.

Low-interest home improvement loan for Virginia homeowners to finance repairs, accessibility modifications, and energy efficiency upgrades. Loan terms up to 20 years with competitive interest rates for qualifying borrowers.

Loan amount based on creditworthiness and home equity, up to maximum

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

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

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

Key Details

  • Low-interest loan up to $25,000
  • Income limits vary by household size
  • Up to 20-year repayment terms
  • Covers repairs, accessibility, energy upgrades
  • Available to Norfolk homeowners

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 842-4845

A grant-savvy contractor in Norfolk, 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 Norfolk 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 program

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 Renovation and Accessibility Loan provide in Norfolk, VA?

Low-interest loan up to $25,000.

Who qualifies for Virginia Housing Renovation and Accessibility Loan in Norfolk?

Virginia Housing Renovation and Accessibility Loan is open to homeowners in Norfolk, VA.

How do I apply for Virginia Housing Renovation and Accessibility Loan in Norfolk, VA?

Apply directly with Virginia Housing (formerly VHDA) using the official program link on this page or call (877) 842-4845. 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 Norfolk, VA contractors

Find More Programs in Norfolk, VA

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

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