Program guide
What to know before you click through
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
Who qualifies?
First-time homebuyers, Homebuyers at or below 80% of AMI for the HOMEownership DPA path, Homebuyers up to 60% of AMI for the Pilot DPA path
What support do you get?
The official DHCD page describes two paths: the HOMEownership Down Payment and Closing Cost Assistance program provides up to 10% or 15% of the sales price plus up to $2,500 for closing costs, with a maximum assistance amount of $40,000; the Virginia Pilot Down Payment Assistance Program provides up to $50,000.
Do you repay it?
The official DHCD page states both programs provide deferred loans. Homebuyers must live in the home as their primary residence for a set period, and no payments or interest accrue during that time.
How do you apply?
Start from the Virginia DHCD DPA main page, review the HOMEownership DPA or Pilot DPA rules, then use the current local provider list or pilot administrator list to route the household to the correct regional delivery partner.
Application timing
Apply through a local DPA provider; funds are first-come, first-served and cannot be reserved until the buyer is lender pre-approved and meets DPA eligibility requirements.
Official source evidence
The official DHCD page says HOMEownership DPA can provide up to 10% or 15% of sales price plus up to $2,500 for closing costs with a $40,000 cap, and that the Pilot DPA can provide up to $50,000, both as deferred loans delivered through local providers.
View official source
Last verified
2026-04-22
Effective date not captured.
Paid preview
What paid access adds for DHCD statewide HOMEownership DPA and Pilot DPA
See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.
Example paid output for this program. The free page stays visible either way.
Comparison preview
DHCD statewide HOMEownership DPA and Pilot DPA
Amount: The official DHCD page describes two paths: the HOMEownership Down Payment and Closing Cost Assistance program provides up to 10% or 15% of the sales price plus up to $2,500 for closing costs, with a maximum assistance amount of $40,000; the Virginia Pilot Down Payment Assistance Program provides up to $50,000.
Repayment: The official DHCD page states both programs provide deferred loans. Homebuyers must live in the home as their primary residence for a set period, and no payments or interest accrue during that time.
First-time buyer: Required
Timing: Apply through a local DPA provider; funds are first-come, first-served and cannot be reserved until the buyer is lender pre-approved and meets DPA eligibility requirements.
Risk checks preview
What gets flagged before you call a lender
- DHCD statewide HOMEownership DPA and Pilot DPA can trigger repayment if owner occupancy changes.
Lender questions preview
Questions tied to this exact path
- Which events trigger repayment for DHCD statewide HOMEownership DPA and Pilot DPA: non_owner_occupancy?
- How does DHCD statewide HOMEownership DPA and Pilot DPA define a first-time buyer for this household?
Action checklist preview
What you would do next
- Confirm the first-time buyer definition before you apply
- Review the official Program page for DHCD statewide HOMEownership DPA and Pilot DPA
