Loan Guidelines
Consider this your all-in-one portal for getting started with our loans: everything from your role in making affordable housing possible for more Virginians, to eligibility requirements, applications forms and more.
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Program Guides
Find details on loans and programs, from origination to servicing.
Conventional 30-Year Fixed-Rate Program |
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| Conventional | |
| Conventional Bond | |
Government 30-Year Fixed-Rate Program |
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| FHA | |
| FHA Bond | |
| VA (Veterans Affairs) | |
| VA (Veterans Affairs) Bond | |
| RD (Rural Development) | |
| RD (Rural Development) Bond | |
| FHA Streamline Refinance | |
| VA Interest Rate Reduction Refinance | |
Virginia Housing Down Payment / Closing Cost Assistance Programs |
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| Plus Second Mortgage | |
| Down Payment Assistance (DPA) Grant | |
| Closing Cost Assistance (CCA) Grant | |
| Community Heroes Grant This Community Heroes Grant is suspended effective February 13, 2026. |
Program Guidelines |
| Community Heroes Grant This Community Heroes Grant is suspended effective March 2, 2026. |
Program Guidelines |
Virginia Housing Specialty Programs |
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| Sponsoring Partnerships & Revitalizing Communities (SPARC) | |
| FirstHome Dream | |
Lender forms and documents
Find all the documents for our single-family mortgage program here.
Resources for clients
Our free homebuyer courses prepare homebuyers to become responsible homeowners, and are required for first-time homebuyers to help prepare them for the process.