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?
Full-time permanent employees of Henrico County Government, Full-time permanent employees of Henrico County Public Schools, Full-time permanent employees of Henrico County constitutional officers
What support do you get?
The official Henrico County page says eligible employees may receive up to $25,000 in down payment and closing cost assistance.
Do you repay it?
The official Henrico County page says the assistance is an interest-free forgivable loan. To receive full forgiveness, the employee must keep full-time qualifying employment and occupy the home as a primary residence for five years; otherwise the remaining unforgiven balance must be repaid. County FAQ materials say repayment is due within 60 days of a trigger event and the county records a lien or deed of trust.
How do you apply?
Do not enter a purchase contract before program counseling. Start with the county employment-verification and pre-screen sequence, then complete the mandatory two-part homebuyer education course, six hours of individualized counseling, and the third-party administrator application sequence before funds can be reserved for closing.
Application timing
Start with HR eligibility and DCR pre-screening before entering a purchase agreement; after pre-screen approval, allow up to 10 business days for the program administrator response before counseling and committee fund-reservation review.
Official source evidence
The official Henrico County EHPAP page says eligible county-affiliated employees may receive up to $25,000 as an interest-free forgivable loan, and full forgiveness requires five years of continued full-time employment plus owner-occupancy. The same page says the program also includes free homebuyer education and six hours of counseling.
View official source
Last verified
2026-04-19
Effective date not captured.
Paid preview
What paid access adds for Henrico County Employee Home Purchase Assistance Program (EHPAP)
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
Henrico County Employee Home Purchase Assistance Program (EHPAP)
Amount: The official Henrico County page says eligible employees may receive up to $25,000 in down payment and closing cost assistance.
Repayment: The official Henrico County page says the assistance is an interest-free forgivable loan. To receive full forgiveness, the employee must keep full-time qualifying employment and occupy the home as a primary residence for five years; otherwise the remaining unforgiven balance must be repaid. County FAQ materials say repayment is due within 60 days of a trigger event and the county records a lien or deed of trust.
First-time buyer: Required
Timing: Start with HR eligibility and DCR pre-screening before entering a purchase agreement; after pre-screen approval, allow up to 10 business days for the program administrator response before counseling and committee fund-reservation review.
Risk checks preview
What gets flagged before you call a lender
- Henrico County Employee Home Purchase Assistance Program (EHPAP) can trigger repayment if owner occupancy changes.
Lender questions preview
Questions tied to this exact path
- Which events trigger repayment for Henrico County Employee Home Purchase Assistance Program (EHPAP): non_owner_occupancy?
- How does Henrico County Employee Home Purchase Assistance Program (EHPAP) 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 Henrico County Employee Home Purchase Assistance Program (EHPAP)
