Virginia Housing

Eligible buyers may receive an interest rate reduction of up to 1% through Virginia Housing’s SPARC program when purchasing a home priced at $385,000 or less (limits vary by area). Income limits and approved lender requirements apply.

Offers first-time homebuyers up to $40,000 in down payment and closing cost assistance. Eligibility is based on household size and income limits tied to Area Median Income (AMI). Qualified buyers may also access matched savings opportunities and mortgage interest rate reductions by completing approved homebuyer education. 

Providing down payment and closing cost assistance for first-time homebuyers through the HOME Downpayment and Closing Cost Assistance Program. First-time Homebuyers can receive up to $14,500, if approved.   

Receive up to $25,000 in down payment and closing cost assistance through the Chesapeake HOME program, with income limits and a buyer contribution required.

Receive up to $20,000 in assistance through the Come HOME to Portsmouth program, with income limits and a primary residence requirement.

Offers renovated and new-construction homes along with down payment assistance up to $10,000. Eligible buyers may also qualify for a second mortgage loan of up to $40,000 to help with down payment, mortgage reduction, or closing costs. 

Access Virginia Housing grants and complete VHDA-certified education through the Hampton Redevelopment & Housing Authority.

First-time and income-qualified buyers in Alexandria, Arlington, Fairfax County, Loudoun County, and Prince William County may qualify for down payment and closing cost assistance, including programs like FHAP, MIPAP, and workforce homeownership options. Eligibility is typically based on Area Median Income (AMI) and local requirements.

Income-qualified first-time buyers in Henrico County and James City County may access down payment assistance and homebuyer education through local housing agencies and community partners, subject to funding availability.

A no-pressure conversation to understand your goals, budget, and timeline so we can create a clear plan.

I connect you with trusted lenders to determine what you can afford and strengthen your buying power. 

We review first-time buyer, community hero, and location assistance programs you may qualify for. 

We focus on finding the right home that fits your needs, lifestyle, and long-term goals.

I guide you through writing a strong offer and negotiate to protect your best interests. 

I walk you through closing day so you feel confident when you receive the keys to your new home.