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Prince William Area First Time Homebuyers Program (FTHB)

Virginia route through Prince William County Office of Housing and Community Development. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Deferred second mortgage Repay later on trigger 2026-04-19
Agency Prince William County Office of Housing and Community Development
Support type Deferred second mortgage
Amount highlight Down payment and closing cost assistance between 23% and 33% of the approved sales price, subject to program eligibility and underwriting.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Virginia program hub

Amount

Down payment and closing cost assistance between 23% and 33% of the approved sales price, subject to program eligibility and underwriting.

Type

Deferred second mortgage

Repayment

The official Prince William flyer states the assistance is secured by a second trust with a 30-year deferred Deed of Trust and shared market appreciation. The second trust becomes due and payable if the property is no longer the principal residence, is sold, is transferred or changes ownership, or the primary loan is refinanced.

First-time buyer

Required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

First-time homebuyers, Low- to moderate-income households at or below 80% of AMI, Residents or persons working in Prince William County, Manassas, or Manassas Park

What support do you get?

Down payment and closing cost assistance between 23% and 33% of the approved sales price, subject to program eligibility and underwriting.

Do you repay it?

The official Prince William flyer states the assistance is secured by a second trust with a 30-year deferred Deed of Trust and shared market appreciation. The second trust becomes due and payable if the property is no longer the principal residence, is sold, is transferred or changes ownership, or the primary loan is refinanced.

How do you apply?

Apply through the Prince William County Neighborly portal during open application periods or submit a downloaded application packet, and qualify through a Virginia Housing-approved first-trust lender located in Virginia.

Official source evidence

Official Prince William County materials state that eligible households can receive down payment and closing cost assistance between 23% and 33% of the approved sales price through a 30-year deferred second trust with shared market appreciation.

View official source

Last verified

2026-04-19

2025-06-01

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What paid access adds for Prince William Area First Time Homebuyers Program (FTHB)

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Comparison preview

Prince William Area First Time Homebuyers Program (FTHB)

Amount: Down payment and closing cost assistance between 23% and 33% of the approved sales price, subject to program eligibility and underwriting.

Repayment: The official Prince William flyer states the assistance is secured by a second trust with a 30-year deferred Deed of Trust and shared market appreciation. The second trust becomes due and payable if the property is no longer the principal residence, is sold, is transferred or changes ownership, or the primary loan is refinanced.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Prince William Area First Time Homebuyers Program (FTHB) requires a participating lender.
  • Prince William Area First Time Homebuyers Program (FTHB) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does Prince William Area First Time Homebuyers Program (FTHB) require a participating lender for this household and loan setup?
  • Which events trigger repayment for Prince William Area First Time Homebuyers Program (FTHB): refinance, transfer, non_owner_occupancy?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply.
  • Confirm whether Prince William Area First Time Homebuyers Program (FTHB) requires a participating lender.
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Paid research preview

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What unlocks after payment

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city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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employer-assisted paths

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What paid access adds to this program

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Decision output

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