Virginia Down Payment Assistance + VA Loan (Hampton Roads & Quantico)
A VA loan gets Virginia veterans in with zero down. Pair it with a Virginia Housing grant and the grant covers closing costs, money you never repay. For the state's huge military community, it is the strongest cash-saving stack.
Why the VA pairing is different
A VA loan is the best financing most veterans will ever get: zero down, no monthly mortgage insurance, strong terms. So pairing it with Virginia Housing is not about covering a down payment, a VA loan has none. Instead a Virginia Housing grant covers closing costs and prepaid items, the cash a VA buyer still brings, and because it is a grant, you never repay it. That means a veteran can buy with very little cash and no added loan balance. For Virginia’s large military community, this is the standout move.
The CCA Grant fits the VA loan perfectly
Virginia Housing’s Closing Cost Assistance Grant is designed for government loans, including VA, which makes it a natural match. On a zero-down VA loan, closing costs are the main cash hurdle, and a CCA Grant is aimed right at them. Stack the two and a Norfolk sailor or a Quantico Marine can get to the closing table with very little out of pocket, and nothing extra to repay. See how the grants work on our DPA & CCA Grants page.
Virginia’s military communities
Virginia has one of the densest military footprints in the country. Hampton Roads is home to the world’s largest naval base at Norfolk, plus Oceana, Little Creek, and the Newport News shipyards. Marine Corps Base Quantico anchors the north near Fredericksburg, and Fort Barfoot and Fort Gregg-Adams sit in the central and Richmond areas. Around each, a VA loan plus a Virginia Housing grant is one of the strongest cash-saving stacks available. The Hampton Roads page covers the Navy region.
Virginia Housing facts verified August 2026 (Virginia Housing). VA loan details per the U.S. Department of Veterans Affairs. This is not a commitment to lend. Related: DPA + FHA.
Common questions
Can you combine a VA loan with Virginia Housing down payment assistance?
Yes. A VA loan requires no down payment for eligible veterans, so a Virginia Housing grant, especially the CCA Grant built for government loans, covers closing costs you never repay. It is one of the strongest cash-saving stacks for Virginia's large military community.
Which Virginia Housing help is best with a VA loan?
The Closing Cost Assistance (CCA) Grant is designed for government loans including VA, so it targets the main cash hurdle on a zero-down VA purchase, closing costs, and it is never repaid. A larger repayable Plus Second Mortgage is also available if needed.
Do I repay Virginia Housing help on a VA loan?
Not if you use a grant. The DPA and CCA Grants are never repaid. The Plus Second Mortgage is a larger benefit that you do repay over time.
Serve in Virginia? See your VA + grant options
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