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Find every first-time home buyer grant & down payment assistance program in the U.S.
$0 – $100,000+ in free money. Updated daily across all 50 states + DC. Compare programs from HUD-approved agencies, lenders, cities, and state housing authorities in one place.
2000+ programs listed • Verified by HUD & state agencies
Latest opportunities (14)
SoFiVAFirst-Time HomeownerEditorial overview that summarizes multiple Virginia first-time homebuyer and down payment assistance programs, including Virginia Housing and DHCD offerings and local city and county initiatives, rather than providing direct financial assistance.
Updated: Dec 6, 2025
Editorial overview page that explains key Virginia first-time homebuyer programs and links out to statewide and local down payment and closing cost assistance options.
Eligible for: First-time (and some repeat) homebuyers researching Virginia programs; eligibility depends on the specific state or local program (income, c…
Henrico County Housing & NeighborhoodsVAFirst-Time HomeownerCounty program that provides need-based, deferred-payment forgivable loans to help first-time, low- and moderate-income Henrico residents cover down payment and closing costs when purchasing a primary residence in the county.
Updated: Dec 6, 2025
County program that partners with nonprofit agencies to provide need-based, forgivable loans to help first-time homebuyers with down payment and closing costs.
Eligible for: Qualified first-time, low- and moderate-income homebuyers purchasing a primary residence in Henrico County; must be Henrico residents, compl…
James City County Office of HousingVAFirst-Time HomeownerLocal first-time homebuyer initiative that combines HUD-certified education and counseling with access to down payment and closing cost assistance and affordable mortgage products through partners like the Hampton Roads Loan Fund Partnership and Virginia Housing.
Updated: Dec 6, 2025
Local first-time homebuyer program that combines education, counseling, down payment and closing cost assistance, and affordable mortgage products for James City County residents and workforce.
Eligible for: First-time homebuyers (as defined by the program) who live or work in James City County, meet income limits, and complete required homebuyer…
Albemarle County Office of HousingVAFirst-Time HomeownerCounty-run homebuyers assistance program that offers a deferred, forgivable second mortgage to help eligible buyers cover down payment and closing costs when purchasing in Albemarle County.
Updated: Dec 6, 2025
County-run assistance program in Albemarle County, Virginia, offering down payment and closing cost help to eligible homebuyers.
Eligible for: First-time homebuyers purchasing an owner-occupied home in Albemarle County, Virginia; must meet income limits, complete homebuyer education…
Virginia Department of Housing and Community Development (DHCD)VAFirst-Time HomeownerStatewide HOMEownership DPA program administered by Virginia DHCD that provides gap financing as a deferred, low- or no-interest loan layered with an eligible first mortgage to cover down payment and closing costs for income-eligible first-time buyers.
Updated: Dec 6, 2025
Statewide program offering deferred loan assistance to help first-time homebuyers with down payment and closing cost in Virginia.
Eligible for: First-time homebuyers, income at or below 80% AMI (for the HOME DPA); some pilot option up to 60% AMI with up to $50,000 assistance.
Prince William County Housing & Community DevelopmentVAFirst-Time HomeownerCounty-level first-time homebuyer program that provides down payment and closing cost assistance, typically as a subordinate forgivable loan, to help income-eligible buyers purchase owner-occupied homes in Prince William County.
Updated: Dec 6, 2025
County-level first-time buyer assistance program in Prince William County, Virginia, covering down payment and closing cost support for eligible buyers.
Eligible for: First-time homebuyers purchasing an owner-occupied home in Prince William County, meeting income and purchase-price limits, completing homeb…
Housing Opportunities Made Equal of Virginia (HOME of VA)VAFirst-Time HomeownerHUD-approved nonprofit counseling and education services that provide free pre-purchase guidance, group homebuyer classes, credit and budget coaching, and fair housing support to Virginians preparing for homeownership, often used alongside state and local down payment assistance programs.
Updated: Dec 6, 2025
Nonprofit HUD-approved counseling agency providing free homeownership education, credit and budget coaching, and fair housing support, frequently paired with Virginia Housing, DHCD, and local DPA programs.
Eligible for: Prospective and current homebuyers in Virginia seeking education, counseling, or help planning for homeownership, resolving credit issues, o…
Virginia HousingVAFirst-Time HomeownerStatewide Virginia Housing grant that provides true, non-repayable down payment assistance when paired with an eligible Virginia Housing first mortgage, subject to income, sales-price, and location limits.
Updated: Dec 6, 2025
Statewide true grant for down payment assistance that never requires repayment when paired with a Virginia Housing loan.
Eligible for: Qualified first-time homebuyer or repeat buyer purchasing in Areas of Economic Opportunity, income and sales-price limits apply, must use a …
Fairfax County Department of Housing and Community DevelopmentVAFirst-Time HomeownerCounty-administered affordable homeownership program that offers newly built and resale homes at below-market prices and may pair them with down payment assistance, reduced interest rates, or other supports for income-eligible first-time buyers.
Updated: Dec 6, 2025
County-run program offering access to affordably priced new and resale homes plus down payment and mortgage assistance for income-eligible first-time buyers in Fairfax County.
Eligible for: First-time homebuyers (no ownership in past 3 years) with minimum household income of $25,000 and maximum income up to ~70% of Area Median I…
Virginia Alcoholic Beverage Control Authority (ABC)VAEducation
Updated: Nov 18, 2025
Annual grants to organizations working to prevent underage and high-risk drinking in Virginia communities. (Virginia ABC)
Eligible for: Applications due by 5 pm March 1, 2025 (for the 2025-26 cycle)
Commonwealth Commercialization Fund (CCF)VAScience and Technology
Updated: Nov 18, 2025
Grant funding to Virginia’s public & private colleges, universities and eligible nonprofit research institutes to advance early-stage technologies toward commercialization. (Virginia Innovation Partnership)
Eligible for: Applications accepted rolling basis
Department of Housing & Community Development (DHCD)VAHousing
Updated: Nov 18, 2025
Supports development and implementation of localized emergency crisis response systems with housing-focused, coordinated community-based activities. (Virginia Housing)
Eligible for: (varies)
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