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Virginia down payment assistance programs

Quick answer

Virginia buyers can get down payment help from Hampton Roads Planning District Commission (HRPDC) Housing/Human Services for the City of Chesapeake. We verified 3 statewide programs, including Chesapeake HOME Down Payment and Closing Cost Program (Up to $25,000). Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Virginia offer?

ProgramAmountTypeMin. creditFirst-time only?
Chesapeake HOME Down Payment and Closing Cost ProgramUp to $25,000Forgivable loanNot statedYes
HOME Program Down Payment and Closing Cost AssistanceUp to $40,000Deferred-payment loanNot statedYes
Moderate-Income Purchase Assistance Program (MIPAP)Lesser of 25% of purchase price or $112,500Deferred-payment loanNot statedYes

How do I apply for Virginia down payment assistance?

  1. Find a participating lender approved by Hampton Roads Planning District Commission (HRPDC) Housing/Human Services for the City of Chesapeake.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Virginia

Virginia BeachChesapeakeArlingtonNorfolkRichmondNewport NewsAlexandriaHamptonRoanokePortsmouth

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinois

Frequently asked questions

Chesapeake HOME Down Payment and Closing Cost Program: Up to $25,000; HOME Program Down Payment and Closing Cost Assistance: Up to $40,000; Moderate-Income Purchase Assistance Program (MIPAP): Lesser of 25% of purchase price or $112,500.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.