The Free Virginia Down Payment Assistance Guide
A plain-English walkthrough of Virginia Housing, the grants, and the Plus Second Mortgage, written for buyers. Get the guide, or just talk it through with Mike.
What is inside the guide
The guide walks a Virginia buyer through the whole picture in plain language: how the grants differ from the Plus Second Mortgage, which help you never repay, how the income limits work locality by locality, and what it takes to qualify. It covers the 620 credit floor, the bond vs. non-bond rules for first-time and repeat buyers, and the reduced- or no-MI conventional loan. No jargon, no sales pitch, just what you need to decide whether Virginia Housing assistance is right for you.
Prefer to just talk it through?
Some buyers would rather skip the reading and get a straight answer, including whether a grant fits their income. That is fine, tell Mike your locality, credit range, and whether you have owned before or served, and he will map your Virginia Housing options in a 20-minute call. No obligation, no pressure. Call (480) 296-6513 or start the quiz above.
Common questions
What does the Virginia down payment assistance guide cover?
It covers the DPA and CCA Grants (never repaid), the repayable Plus Second Mortgage, the 620 credit floor, income limits by locality, the bond vs. non-bond rules for first-time and repeat buyers, and the reduced- or no-MI conventional loan.
Is the Virginia down payment guide really free?
Yes. The guide is free with no obligation. You can read it and decide on your own, or reach out to Mike Certo to talk through whether a grant fits your income and situation.
Get the guide or 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.