About This Virginia Down Payment Assistance Site
Straight, current information on Virginia Housing and its grants, from a lender who originates these loans directly, not a lead broker.
Why this site exists
Search "down payment assistance in Virginia" and you will hit pages that blur the grants and the Plus Second Mortgage, or get the income tiers wrong, or miss that repeat buyers can qualify on the non-bond side. We keep this site current to the actual Virginia Housing rules, the DPA and CCA Grants you never repay, the larger repayable Plus Second, the 620 credit floor, and the locality income limits. It is a strong, generous program for a lot of Virginia buyers. When it is not the right fit, we say so.
What we do
- Originate Virginia Housing loans directly, the grants and the Plus Second, on conventional, FHA, VA, and USDA.
- Match the help to your situation, grant vs. Plus Second, bond vs. non-bond, FHA vs. no-MI conventional.
- Serve Virginia statewide, Northern Virginia, Hampton Roads, Richmond, Roanoke, Fredericksburg, and every locality.
- Give honest tradeoff advice, including when saving your own down payment beats taking assistance.
Who you work with
Mike Certo is a branch manager and licensed mortgage loan officer with Cornerstone First Mortgage (NMLS #260555; company NMLS #173855). He is an approved participating lender for Virginia Housing and closes these loans across the state. This site is an educational resource, not the program administrator; the Virginia Housing Development Authority (VHDA) runs the programs.
Have a question? Talk to Mike
Tell us your county, credit range, and price target, and we’ll map your Virginia path in a no-pressure 20-minute call. No obligation.