Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Virginia program

Prince William Area First Time Homebuyers Program (FTHB)

Virginia route through Prince William County Office of Housing and Community Development. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Check official rules 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 stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Virginia program hub if you need the wider state context.

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

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, 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.

Application timing

Prince William accepts and processes FTHB applications only during open application periods, subject to funding availability, and reserves funds first-come, first-served only after all required application and purchase phases are completed.

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

Paid preview

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

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

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

Timing: Prince William accepts and processes FTHB applications only during open application periods, subject to funding availability, and reserves funds first-come, first-served only after all required application and purchase phases are completed.

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

  • Is your team approved to originate Prince William Area First Time Homebuyers Program (FTHB) 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
  • Review the official Program page for Prince William Area First Time Homebuyers Program (FTHB)
Open the full Virginia board

Paid research preview

What paid research already covers in Virginia

Paid research already tracks city and county programs, employer-assisted paths for Virginia.

2 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

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

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

Open the full Virginia board

Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

Save and compare

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Full state board

See what this should be compared against

2 tracked deeper leads sit behind the full Virginia board around this program.

Open the full Virginia board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer