Home Buyer Down Payment Grants for Single Mothers in Virginia

Home Buyer Down Payment Grants for Single Mothers in Virginia (2025 Statewide Guide)

Last updated: September 2025

If you need fast, practical answers, this guide keeps everything in one place. You’ll see exactly where to apply, how much help to expect, and what to do when funds run out. You’ll also find phone numbers, timelines, and backup options.

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If You Only Do 3 Things — Emergency Actions to Take

Check statewide grants today: Ask a lender about the Virginia Housing Down Payment Assistance Grant and Closing Cost Assistance Grant; use the lender finder to see who is active this week; and complete the free homebuyer class to keep every option open. Virginia Housing loans and grants, Find a Virginia Housing lender, Free homebuyer class. (virginiahousing.com)
Contact a local DHCD DPA provider now: Ask if funds are open this month for the Virginia Department of Housing and Community Development (DHCD) Down Payment Assistance (DPA) or Pilot DPA (up to $50,000); request their current waitlist and document checklist. DHCD DPA overview, DPA local provider list, HUD income limits tool. (dhcd.virginia.gov)
Call a HUD-approved housing counselor before you sign: Get a quick plan for your credit, budget, and program stack so you don’t miss free money; ask about FHLBank Atlanta grants available through local banks this quarter. Find a HUD-approved counselor, HUD counseling locator, FHLBank Atlanta homebuyer grants. (hud.gov)

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Quick Help Box — Keep These 5 Contacts Handy

Virginia Housing: 1-800-227-8432 — ask about current grant limits, income caps, and approved lenders; also request the Plus Second Mortgage details. Virginia Housing grants, Down Payment Assistance Grant, Plus Second Mortgage. (virginiahousing.com)
DHCD (Down Payment Assistance and Pilot DPA): 1-804-371-7000 — ask which local providers have funds open this month and confirm the $40, 000/$ 50,000 maximums. DHCD DPA page, Program guidelines, Provider contacts. (dhcd.virginia.gov)
HUD FHA Resource Center: 1-800-225-5342 — get answers on FHA rules and allowable gift/assistance sources; ask about credit flexibilities. FHA Resource Center, FHA & housing resources, Find a counselor. (hud.gov)
USDA Rural Development (Virginia): 1-804-287-1500 — check if your target address qualifies for zero-down USDA loans and ask about Virginia contacts for 502 Direct. USDA RD Virginia, USDA 502 Direct, USDA 502 Guaranteed. (rd.usda.gov)
CFPB (mortgage help and complaints): 1-855-411-2372 — if a lender treats you unfairly or delays a grant, file a complaint and get a tracking number. Contact CFPB, Ask CFPB, USAGov CFPB directory. (consumerfinance.gov)

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Who This Guide Is For

This guide is written for single mothers living or working in Virginia who want to buy a primary home in 2025. You’ll see state grants, city and county programs, bank-based grants, and ways to stack help to reduce your out-of-pocket cash. You’ll also find lender tips and realistic wait times.

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Start Here: The Fastest Paths to Down-Payment Help in Virginia

Most single moms can get into a home in 2025 by mixing one Virginia Housing option with one local DHCD-funded option, or by pairing a Virginia Housing loan with a bank’s FHLBank Atlanta grant. Use this order:

Complete the free Virginia Housing class so every state option remains open; lenders will ask for the certificate. Homebuyer education, Find a trainer, Class schedules statewide. (virginiahousing.com)
Get preapproved with a Virginia Housing lender and ask which grants are open now; the grant is tied to a Virginia Housing “bond” first mortgage. Find a lender, Virginia Housing loan options, DPA Grant overview. (virginiahousing.com)
Call a DHCD DPA provider and ask about current caps, waitlists, and document needs; DHCD’s standard DPA can reach 10–15% of price (up to $40, 000) an d t h e P i l o t D P A c an re a c h$ 50,000 for households up to 60% AMI. DHCD DPA, Pilot DPA details, Provider list. (dhcd.virginia.gov)
Ask your bank or credit union about FHLBank Atlanta grants available this quarter; many Virginia lenders can offer up to $17, 500 f or f i rs t - t im e b u yersor u pt o$ 20,000 for educators, health workers, and first responders. FHLBank Atlanta announcement, Community Partners details, Member banks release. (corp.fhlbatl.com)
Consider VIDA matched savings to build your cash and qualify for larger DHCD help; confirm current match rate and timelines. Virginia Individual Development Accounts (VIDA), VIDA intermediaries, Local counseling agencies. (dhcd.virginia.gov)

What to do if this doesn’t work: Ask your lender about Virginia Housing’s Plus Second Mortgage (covers down payment, sometimes part of closing costs) and look at regional programs in your city or county below. Plus Second Mortgage, Loan options overview, HUD counselor locator. (virginiahousing.com)

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Statewide Programs You Can Use Right Now

The table below shows the most-used options for Virginia buyers who need help with upfront cash. Always confirm funds and limits — amounts can change mid-year.

Program (statewide)	Who it’s for	Typical amount/structure	Key rules	Where to start
Virginia Housing Down Payment Assistance (DPA) Grant	First-time buyers using a Virginia Housing “bond” FHA/Conventional loan	Grant amount varies by loan; lender discloses exact figure at application; no repayment	Must meet income, price, and class requirements; can pair with non–Virginia Housing aid	DPA Grant, Eligibility, Find a lender. (virginiahousing.com)
Virginia Housing Closing Cost Assistance (CCA) Grant	First-time (and some repeat in Areas of Economic Opportunity) using Virginia Housing VA or USDA	Up to 2% of purchase price; grant to cover closing costs and VA/USDA fees	Must use eligible Virginia Housing VA/USDA bond loan and meet limits	CCA Grant, Lender info, Loan-grants hub. (virginiahousing.com)
Virginia Housing Plus Second Mortgage	First-time or repeat buyers who don’t fit grant income caps	Second mortgage covers required down payment; some borrowers can finance 1.5% above price for costs	30-year fixed-rate second; must meet lender credit and income rules	Plus Second Mortgage, Lender guide, Home loans. (virginiahousing.com)
DHCD HOMEownership DPA (standard)	≤80% AMI first-time buyers with DHCD provider	10–15% of price plus up to $2, 500 c l os in g cos t s; ma x im u m$ 40,000; deferred, no interest (forgivable if you meet occupancy period)	Must use approved provider; affordability period applies; funding varies by region	DHCD DPA, Program guidelines, Provider list. (dhcd.virginia.gov)
DHCD Pilot DPA (2025)	≤60% AMI first-time buyers	Up to $50,000; deferred, forgivable second mortgage	Must meet lower income limit; funds targeted and limited	Pilot DPA details, Budget language, Pilot guidelines. (budget.lis.virginia.gov)
FHLBank Atlanta Homebuyer Grants (via member banks)	First-time buyers and community partners purchasing in VA	First-time Homebuyer up to $17, 500; C o mm u ni t y P a r t n ers u pt o$ 20,000 (educators, health workers, first responders, veterans)	Must use a participating member bank; funds are first-come, first-served	FHLBank Atlanta $60M grants, Community Partners summary, Member bank PR. (corp.fhlbatl.com)
VIDA Matched Savings (down payment)	Buyers building savings with counseling	Match currently up to $10 f or$ 1 saved (local intermediaries confirm cap); used for down payment/closing	Requires counseling and set timeline; funding cycles vary	VIDA overview, VIDA intermediaries, HUD counseling. (dhcd.virginia.gov)

According to DHCD (updated 2025), the standard DPA can cover 10–15% plus up to $2, 500 f orc l os in g cos t s, c a pp e d a t$ 40,000, and the Pilot DPA can reach $50,000 for households at or below 60% AMI; these are deferred, no-interest second mortgages with occupancy requirements. DHCD DPA and Pilot DPA, Provider list and 2025 income references, HUD income limits. (dhcd.virginia.gov)

What to do if this doesn’t work: Ask whether your employer offers help (some counties and cities now fund employee down-payment loans), and explore local programs in your region below. Henrico employee program, City of Richmond employee program via HOME of VA, Arlington SPARC low-rate allocation. (henrico.gov)

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Eligibility Basics (Quick Scan)

First-time buyer rules: Many programs define “first-time” as no home ownership in the past 3 years; check your program’s exact wording. Virginia Housing eligibility notes, DHCD DPA FAQs/guidelines, HUD counseling help. (virginiahousing.com)
Income and price caps: Grants cap your income and sales price; your lender will check both against where you buy. Virginia Housing limits, DHCD DPA, HUD Income Limits tool. (virginiahousing.com)
Class requirement: The free Virginia Housing class is almost always required for grants and many local loans. Free homebuyer class, Local class examples, Trainer search. (virginiahousing.com)
Credit: Most programs need 620–660+ middle scores; housing counselors can help you fix surprises before you apply. Virginia Housing loan pages, HUD counseling locator, CFPB mortgage help. (virginiahousing.com)
Stacking: Many buyers layer one Virginia Housing grant with a DHCD DPA or FHLBank grant; always confirm “can be combined” before you sign a contract. Virginia Housing DPA, DHCD DPA rules, FHLBank Atlanta programs. (virginiahousing.com)

What to do if this doesn’t work: If your credit is below 620, pause and work with a counselor; ask about VIDA to build savings while your credit recovers. HUD counseling, VIDA, Virginia Housing education. (dhcd.virginia.gov)

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Step-by-Step: How to Apply Without Losing Weeks

Get preapproved with a Virginia Housing lender and ask “Which grants are open this month?” Bring your last 2 pay stubs, last 2 months’ bank statements, and ID. Find a lender, Loan options, DPA Grant. (virginiahousing.com)
Complete the free homebuyer class early and save your certificate; many local programs will not reserve funds without it. Free class, Upcoming classes, HUD counseling. (virginiahousing.com)
Contact a DHCD DPA provider and ask about intake steps, upload portals, and verification timelines (plan 30–60 days if funds are open). DHCD DPA, Provider list, 2025 HOME income references. (dhcd.virginia.gov)
Ask your bank about FHLBank Atlanta grants and whether reservations can be made only after you have a ratified contract; learn the five-year occupancy period. FHLBank Atlanta $60M grants, Member bank example, Community Partners terms. (corp.fhlbatl.com)
Have a backup: If your income is over the grant limit, ask about Virginia Housing’s Plus Second Mortgage, or shop USDA/VA if you qualify. Plus Second Mortgage, USDA 502 Guaranteed, VA home loans. (virginiahousing.com)

Reality Check: Expect 10–15 business days for lender preapproval and grant eligibility review when files are complete; DHCD DPA and some county programs can take 30–60 days to underwrite; Arlington’s MIPAP lists up to 60 days for pre-approval and 30+ days from ratified contract to settlement. Arlington MIPAP timeline, Virginia Housing program flow, DHCD DPA. (arlingtonva.us)

What to do if this doesn’t work: If timing is tight, target properties that qualify for USDA or VA (zero down) or ask sellers for a 45–60 day close while your grant reserves. USDA Virginia contacts, USDA program info, VA home loans. (rd.usda.gov)

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Application Checklist (Printable/Screenshot-Friendly)

Virginia Housing class certificate saved (PDF or photo) — required for most grants. Free class, Trainer search, HUD counseling. (virginiahousing.com)
Photo ID and Social Security card — for all borrowers. CFPB “what lenders ask for”, FHA Resource Center, Virginia Housing loans. (hud.gov)
Last 30 days of pay stubs and 2 months of bank statements — include child support, TANF, SNAP, SSDI, or other income. CommonHelp benefits info, CFPB contact, HUD counseling.
Last 2 years of W‑2s/tax returns — or transcripts if self-employed. IRS transcripts, CFPB mortgage toolkit, Virginia Housing loans.
Preapproval letter from a Virginia Housing lender — shows price range and program fit. Find a lender, Loan options, DPA Grant.
Signed disclosures and grant forms — your lender or provider sends you the specific forms. DPA provider list, FHLBank program info, Virginia Housing grants.
Gift letter or VIDA savings proof (if any) — show source of funds. VIDA, Virginia Housing DPA, FHA questions.
Purchase contract + all addenda — needed to reserve many grants. FHLBank Atlanta, Virginia Housing grants, DHCD DPA.

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Tables: Compare What You’ll Use Most

Grant vs. Second Mortgage (What’s the difference?)

Feature	Grant (Virginia Housing DPA/CCA, FHLBank)	Second Mortgage (Virginia Housing Plus, DHCD DPA)
Repayment	None for grants	Deferred or monthly per program; DHCD is deferred/forgivable; Plus is 30-year fixed
Typical amount	DPA varies by loan; CCA up to 2%; FHLBank $17.5 k -$ 20k	DHCD up to $40 k /$ 50k; Plus covers required down payment
Occupancy period	Usually 5 years (FHLBank), check grant	DHCD affordability period; Plus due if you sell/refi
Best for	Buyers under income caps	Buyers needing bigger help or who exceed grant caps
Where to learn more	Virginia Housing DPA, CCA, FHLBank grants	DHCD DPA, Plus Second Mortgage, Provider list. (virginiahousing.com)

Typical Timelines (Plan your move)

Step	What to expect	Notes
Lender preapproval	2–5 business days once docs are in	Some lenders can do same day; bring pay stubs and bank statements
Virginia Housing grant reservation	5–10 business days after ratified contract	Ask lender to “reserve” quickly; funds can run out near quarter-end
DHCD DPA underwriting	30–60 days (varies by provider and pipeline)	Ask provider their “average days to clear to close”
Local program approvals (example: Arlington MIPAP)	Up to 60 days + 30-day minimum to settlement	Plan contract dates accordingly
Final clear-to-close	3–5 days after final conditions	Keep pay stubs and bank statements updated

For Arlington’s MIPAP, the county lists “application review may take up to 60 days” and settlement must be 30+ days after the county gets the ratified contract. Arlington MIPAP process, Virginia Housing loan-grants hub, DHCD DPA. (arlingtonva.us)

What If Your Income Is Too High For a Grant?

Situation	Workable options	Links
Income slightly over DPA cap	Use Virginia Housing Plus Second Mortgage; consider FHLBank if your job qualifies	Plus Second Mortgage, FHLBank Community Partners
Income well over grant cap	Consider standard Virginia Housing loans with lower MI; ask about SPARC interest-rate reductions in your city	Virginia Housing home loans, Loudoun SPARC, Arlington SPARC. (loudoun.gov)
Want zero down without grants	Use USDA (address eligible) or VA (if eligible)	USDA 502 Guaranteed, VA home loans, USDA VA integration with Virginia Housing CCA. (rd.usda.gov)

Quick Reference Cheat Sheet

You need…	Fastest route	Where to click/call
A true grant for down payment	Virginia Housing DPA Grant + lender	DPA Grant, 1-800-227-8432
Closing cost help (USDA/VA)	Virginia Housing CCA Grant	CCA Grant
Bigger gap financing	DHCD DPA (standard or Pilot)	DHCD DPA, 1-804-371-7000
Bank grants	FHLBank Atlanta set-aside via member lender	FHLBank grants
Zero down	USDA or VA (if eligible)	USDA RD VA, VA loans
Free expert help	HUD housing counselor	Find a counselor

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Resources by Region (Where Local Dollars Stretch Further)

Below are real programs with real dollar amounts and contacts. Always ask if funds are open before you pay for an appraisal.

Northern Virginia (Arlington, Alexandria, Fairfax, Loudoun, Prince William)

Arlington: The Moderate-Income Purchase Assistance Program (MIPAP) offers a deferred, no-interest second up to 25% of the purchase price; minimum 1% down, 660+ credit; allow up to 60 days for county review; SPARC also reduces rates by about 1% on Virginia Housing loans. MIPAP details, Arlington SPARC, Virginia Housing classes. (arlingtonva.us)
Alexandria: The Flexible Homeownership Assistance Program (shared-equity) supports buyers in city programs with up to $50, 000 f or d o w n p a y m e n t an d c l os in g; so m e NSP res a l es a ll o w u pt o$ 75,000; the city often pairs with Virginia Housing SPARC for a 1% rate reduction. Call 703-746-3092 to confirm funding. Alexandria homebuyer resources, City flexible assistance, SPARC info. (alexandriava.gov)
Fairfax County: The First-Time Homebuyers (FTHB) program sells below-market homes and requires about a 2% down payment; buyers must meet income limits and follow resale rules. Fairfax FTHB program, Virginia Housing classes, HUD counselors. (fairfaxcounty.gov)
Loudoun County: DPCC loans up to 10% of price or $70,000 (forgivable over 15 years) and a county SPARC allocation to cut rates; check current availability and income ranges posted by the county. Loudoun Homeownership Loan Programs, SPARC allocation status, HUD counseling. (loudoun.gov)
Prince William County: FTHB provides 20% or 30% down payment assistance (plus about 3% for closing costs) as a 30‑year deferred second; you must live or work in the county area and meet HOME limits. Watch for open application windows. PWC FTHB program page, County news explainer, Class provider info. (pwcva.gov)

What to do if this doesn’t work: Layer a Virginia Housing grant with FHLBank Atlanta funds through a local bank; if you’re a teacher, health worker, or first responder, ask for Community Partners ($20,000) in addition to Virginia Housing. Virginia Housing lender finder, FHLBank set-aside, Community Partners details. (corp.fhlbatl.com)

Richmond Region (Richmond, Henrico, Chesterfield, regional nonprofits)

Richmond (City): HOME of Virginia administers down payment/closing help (e.g., forgivable loans) and an employee homebuyer assistance program; call 804-354-0641 to check current amounts and income caps. City HOME-funded partners, HOME of VA — Richmond employees, Henrico/Richmond DPA via nonprofits. (rva.gov)
Henrico County: County-funded DPA/closing cost aid is delivered through Southside Community Development & Housing and HOME of VA; employees may access up to $25,000 forgivable assistance to buy in-county. Henrico housing assistance, Henrico employee program, Virginia Housing classes. (henrico.gov)
Southside Community Development & Housing (regional): Offers DPA information, SPARC rate reductions, and VIDA matched savings for qualifying buyers; Henrico and Richmond residents often start here. SCDHC counseling center, VIDA through SCDHC, HUD counselor locator. (scdhc.com)

What to do if this doesn’t work: Use Virginia Housing DPA or Plus Second Mortgage, then add a bank FHLBank grant if you qualify; ask Richmond-area lenders how they stack these. Virginia Housing grants, Plus Second Mortgage, FHLBank grants. (virginiahousing.com)

Hampton Roads (Norfolk, Virginia Beach, Newport News, Hampton)

Norfolk: NRHA’s HomeNet offers up to $40, 000 in d o w n p a y m e n t / c l os in g cos t h e lp (H OME an d Ho m e w a r d N or f o l k), w i t h o pt i o n s f or 80$ 40,000](https://nrha.us/newsandevents/up-to-40000-for-first-time-homebuyers-in-norfolk/)*, NRHA Homeownership page, NRHA contacts. (nrha.us)
Virginia Beach: The Virginia Beach Community Development Corporation supports first-time buyers with counseling and can connect you to down payment/closing cost aid and below-market loans. VBCDC Homeownership, HUD counselor locator, Virginia Housing lender finder. (virginianavigator.org)
Newport News & Hampton: Both cities use federal HOME funds and local partners; call to confirm current DPA status and inventory of affordable units. Hampton HUD programs hub, Hampton HOME page, Newport News contacts. (hampton.gov)

What to do if this doesn’t work: If city funds are paused, use Virginia Housing DPA/CCA or Plus Second Mortgage and add FHLBank Atlanta grants via a local bank. Virginia Housing DPA/CCA, Plus Second Mortgage, FHLBank grants. (virginiahousing.com)

Blue Ridge & Southwest (Roanoke, New River Valley, Charlottesville area)

Roanoke / TAP: Total Action for Progress runs DPA up to 10% of sales price (first-come, first-served) and regular classes; call 540‑283‑4917/4490 to check openings. TAP DPA, TAP classes, City housing resources. (tapintohope.org)
New River Valley (CHP Homeownership): A HUD-approved agency offering classes, one-on-one advising, and the New River Home Trust; ask about local DPA and Virginia Housing options. CHP Homeownership, HUD counseling, Virginia Housing classes. (communityhousingpartners.org)
Charlottesville / Piedmont Housing Alliance: Offers a down payment loan program for ≤80% AMI and SPARC rate reductions for the region; monthly webinars explain how to apply. PHA Down Payment Programs, PHA classes/webinars, HUD counseling. (piedmonthousingalliance.org)

What to do if this doesn’t work: Use Virginia Housing DPA Plus Second Mortgage, and ask member banks about FHLBank set-aside grants; some rural addresses also qualify for zero-down USDA. Plus Second Mortgage, FHLBank grants, USDA RD VA. (rd.usda.gov)

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Local Organizations, Charities, Churches, and Support Groups

If your grant is waitlisted, call these groups for stopgap help or education while you keep shopping.

HUD-approved counseling agencies: Free or low-cost prep, credit coaching, and readiness letters. Find a counselor, HUD counseling overview, Virginia Housing classes. (hud.gov)
2‑1‑1 Virginia: Ask for local churches, Salvation Army units, and Catholic Charities that help with one-time bills while you build reserves. Dial 2‑1‑1 or search, Roanoke 2‑1‑1 center details, VEC 2‑1‑1 guide. (211virginia.org)
Energy bill support while you save: Ask Dominion Energy’s EnergyShare and the state Energy Assistance Program about help that keeps utilities on during your home search. EnergyShare, Dominion Energy assistance page, Virginia DSS Energy Assistance (LIHEAP). (dominionenergy.com)

What to do if this doesn’t work: Ask your lender for a list of nonprofits that can issue “gift funds” under FHA/Conventional rules; then file a plan with your counselor to rebuild savings using VIDA. FHA Resource Center, VIDA, CFPB contact. (hud.gov)

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Common Mistakes to Avoid

Waiting to take the class: Funds can’t be reserved without your Virginia Housing certificate. Take it now so you’re ready when a home hits the market. Free class, Upcoming classes, Trainer search. (virginiahousing.com)
Shopping before preapproval: Sellers won’t wait during grant underwriting; get a preapproval and ask your lender to verify funds today. Find a lender, Loan options, Loan-grants hub.
Assuming every property qualifies: USDA zero-down and some local programs exclude certain areas or condo types; always check eligibility by address. USDA eligibility, Program pages, Virginia Housing loans.
Overlooking bank grants: FHLBank Atlanta funds are first-come, first-served and can be gone by summer — ask early in the year. FHLBank set-aside, Bank example, Community Partners program. (corp.fhlbatl.com)
Forgetting occupancy periods: Many programs require you to live in the home for several years or repay assistance; ask your provider for the exact term. DHCD DPA, FHLBank rules, Virginia Housing grants.

What to do if this doesn’t work: If you made one of these mistakes, pause and regroup with a counselor; lenders respect a clean, updated file. HUD counselor locator, CFPB complaint/help line, Virginia Housing education.

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Reality Check: Delays, Denials, and Funding Gaps

Expect some friction in 2025. DHCD pilot funds are limited; county programs open and close; bank set-aside grants reset each year and can run out mid-season. Tell your agent you may need a 45–60 day close for stacked assistance. DHCD Pilot DPA implementation (budget item), Virginia Housing loan/grant info, Arlington MIPAP timeline. (budget.lis.virginia.gov)

What to do if this doesn’t work: If a program runs dry after you’re under contract, ask your lender to pivot to Plus Second Mortgage or restructure to USDA/VA with the CCA grant if eligible. Plus Second Mortgage, USDA/VA overview, USDA Virginia. (virginiahousing.com)

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Diverse Communities: Tailored Tips and Resources

LGBTQ+ single mothers: Ask for a housing counselor who respects your family structure and helps with safe‑neighborhood planning; look for lender cultural-competency training and bank grants that do not discriminate on household makeup. Use HUD’s counselor locator and Virginia Housing classes to document completion. HUD counseling, CFPB help/complaints, Virginia Housing classes.
Single mothers with disabilities or raising a disabled child: Ask your counselor to flag accessibility needs early; request large‑print applications and TTY/711 assistance where needed; some utilities and counties offer extra aid for disability households. Virginia Relay 711, Dominion Energy assistance, DSS Energy Assistance. (hamiltonrelay.com)
Veteran single mothers: VA loans offer zero down and no monthly mortgage insurance; check your COE and ask lenders about pairing a Virginia Housing CCA grant on VA loans and whether FHLBank Community Partners ($20,000) applies. VA home loans, VA COE/eligibility, Virginia Housing CCA for VA. (va.gov)
Immigrant and refugee single moms: FHA and many local programs accept work-authorized noncitizens; bring proof of lawful status and two-year income history; request interpreters through your counselor. FHA Resource Center, HUD counseling, CFPB help in 180+ languages. (hud.gov)
Tribal-specific resources: If you are an enrolled citizen of a federally recognized tribe, ask lenders about HUD’s Section 184 Indian Home Loan (low down payment; Virginia counties are eligible); recent updates reduced certain fees. HUD Section 184 overview, Section 184 updates, Section 184 FAQs/contact. (hud.gov)
Rural single moms with limited access: Zero‑down USDA loans can be paired with Virginia Housing CCA; use the state office contact to find packagers for 502 Direct if your income is very low. USDA Virginia, USDA 502 Direct in VA, Virginia Housing CCA. (rd.usda.gov)
Single fathers: Most programs are household‑based, not gender‑based; dads can use the same grants and classes. Virginia Housing DPA, DHCD DPA, HUD counseling.
Language access: Ask for translated forms and interpreter support; many agencies offer Spanish-language classes and multilingual help lines; use Virginia Relay 711 for TTY/Speech-to-Speech. Virginia Housing Spanish options, HUD counseling locator, Virginia Relay 711. (virginiahousing.com)

What to do if this doesn’t work: Contact a fair housing group if you face discrimination and loop in CFPB if a lender delays or refuses to process aid properly. HUD fair housing/counseling, CFPB complaint line, FHA Resource Center. (hud.gov)

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How to Stop Utility Shutoff in Virginia Today

If you’re saving for a down payment and a shutoff threatens your budget, stop it fast and keep your mortgage path clean.

Call EnergyShare and 2‑1‑1: Ask for a same‑day referral; EnergyShare is a crisis program not limited by income and can pay up to the posted amounts; seniors, veterans, and people with disabilities may receive added support. Dominion EnergyShare, Dominion assistance overview, 2‑1‑1 Virginia. (dominionenergy.com)
Apply for state Energy Assistance and PIPP: Crisis (heating), Fuel, and Cooling Assistance have fixed windows; PIPP caps your electric bill at a percent of income for eligible Dominion or Appalachian Power customers. DSS Energy Assistance, PIPP program, CommonHelp online application. (dss.virginia.gov)
Ask for a medical protection note or payment plan: Utilities must follow medical and payment plan rules; ask customer service how to submit documentation and combine with assistance. Dominion assistance page, 2‑1‑1 Virginia, CFPB help.

What to do if this doesn’t work: Call your local DSS office and your city’s housing department the same day; ask your counselor to note the emergency so underwriters understand any one-time late payments. DSS Energy Assistance, HUD counseling, Virginia Housing lenders.

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County-by-County Highlights You Should Know

Alexandria: Up to $50, 000 f l e x ib l e a ss i s t an ce t i e d t oc i t y p ro g r am s; so m e NSP res a l es a ll o w u pt o$ 75,000; SPARC can shave 1% off rates for eligible buyers. Homebuyer resources, SPARC, Virginia Housing. (alexandriava.gov)
Arlington: MIPAP up to 25% of price; minimum 1% down; 30‑year, 0% shared appreciation; plan 60 days for pre-approval. MIPAP, SPARC, Homeownership programs. (arlingtonva.us)
Loudoun: DPCC up to 10% or $70, 000 f or g i v ab l e; SP A RC$ 8M allocation noted for FY25. DPCC and SPARC, Local assistance hub, HUD counseling. (loudoun.gov)
Prince William: 20%–30% down payment assistance plus ~3% closing help; 30‑year deferred second; open periods posted by the county. Program page, News explainer, Class requirements. (pwcva.gov)
Norfolk: Up to $40, 000 c i t y / NR H A ai df or d o w n p a y m e n t an d c l os in g cos t s; in co m e ban d s 80$ 40k update](https://nrha.us/newsandevents/up-to-40000-for-first-time-homebuyers-in-norfolk/)*, HomeNet program page, NRHA contact. (nrha.us)
Roanoke: TAP offers up to 10% of price for DPA and frequent classes; limited funds, first-come, first-served. TAP DPA, TAP class calendar, City housing programs. (tapintohope.org)

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Real-World Examples (How moms actually get it done)

Case 1—Arlington condo with stacked aid: A Head Start teacher used a Virginia Housing Conventional loan with DPA Grant, then layered MIPAP for 20% of price; she brought 1% down and closed after the county’s 60-day review. Virginia Housing DPA, MIPAP process, SPARC option. (arlingtonva.us)
Case 2—Norfolk single-family with city funds: A nursing assistant purchased in Ingleside using up to $40, 000 Ho m e w a r d N or f o l k pl u s Vi r g inia Ho u s in g l o an; s h e u se d t h ec i t y ’ s f i rs t - t im e b u yerc l a ss an d c l ose d w i t hin 60 d a ys . * [NR H A$ 40k news](https://nrha.us/newsandevents/up-to-40000-for-first-time-homebuyers-in-norfolk/)*, HomeNet page, Virginia Housing classes. (nrha.us)
Case 3—Rural purchase with zero down: A mom in Louisa County used USDA 502 Guaranteed with Virginia Housing CCA to cover fees; she confirmed address eligibility and closed in under 45 days with no down payment. USDA Guaranteed, CCA Grant, USDA VA contact. (rd.usda.gov)

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If Your Application Gets Denied (Troubleshooting)

Ask for denial reasons in writing and a list of what would flip it to “approved.” CFPB assistance/complaints, HUD counseling, FHA Resource Center.
Request a second look after fixing the specific blockers (debt ratio, late payments, reserves); lenders often re‑run files the same week. Virginia Housing lender finder, CFPB, HUD counselors.
Switch programs: If income is too high for a grant, pivot to Plus Second Mortgage; if credit is thin, try USDA 502 Direct with counseling and payment assistance. Plus Second Mortgage, USDA 502 Direct VA page, HUD counseling. (rd.usda.gov)

What to do if this doesn’t work: File a CFPB complaint if you suspect unfair treatment; then ask a different Virginia Housing lender to resubmit your file. CFPB complaint, Find a lender, FHA Resource Center. (consumerfinance.gov)

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FAQs (Virginia-Specific, 2025)

How much can I get from DHCD’s DPA in 2025? Up to 10–15% of the purchase price, plus up to $2, 500 f orc l os in g cos t s, c a pp e d a t$ 40,000; the Pilot DPA can be up to $50,000 for ≤60% AMI. DHCD DPA/Pilot, Provider list, HUD income limits. (dhcd.virginia.gov)
Does Virginia Housing’s DPA have to be repaid? No — it’s a grant when paired with an eligible Virginia Housing bond loan; the amount varies by loan type and limits. DPA Grant, Loan options, Lender info. (virginiahousing.com)
Can I combine a local city program with Virginia Housing? Often, yes. Many buyers stack a city/county second mortgage with Virginia Housing DPA or Plus Second and sometimes add an FHLBank grant. Confirm with your lender. Virginia Housing programs, DHCD provider list, FHLBank grants.
How long does approval take? Lender and grant reservations can run 2–3 weeks; DHCD/local seconds 30–60 days; Arlington’s MIPAP up to 60 days before contract submission to settlement. MIPAP timeline, Virginia Housing info, DHCD DPA. (arlingtonva.us)
What if I’m a veteran? Use a VA loan for zero down and ask your lender about Virginia Housing CCA on VA; FHLBank Community Partners may add up to $20,000 if you qualify. VA loans, Virginia Housing CCA, Community Partners. (va.gov)
What if I’m buying in a rural area? Check USDA eligibility; some addresses qualify for zero down and can pair with CCA for fees. USDA VA, USDA Guaranteed, Virginia Housing CCA. (rd.usda.gov)
Is there a Virginia tax benefit for first-time buyer savings? Yes — Virginia allows a subtraction for income earned in a First‑Time Home Buyer Savings Account (subject to caps), so consider using one while you save. Virginia Tax FHSA, Guidelines, Virginia Tax subtractions. (tax.virginia.gov)
Can I get help with closing costs if I don’t qualify for DPA? Yes — Virginia Housing CCA (for VA/USDA bond loans) and FHLBank grants can help; many local programs also allow closing-only loans. CCA Grant, FHLBank grants, Local program examples. (virginiahousing.com)
Do I need my own money? Most programs expect at least 1% from you or reserves; check your program’s rule. MIPAP min 1% down, Plus Second Mortgage reserves note, Lender guidelines. (arlingtonva.us)
Can I use these with FHA? Yes — Virginia Housing DPA pairs with bond FHA loans; confirm with your lender which version you’re using. Virginia Housing loans, DPA Grant, FHA Resource Center. (virginiahousing.com)
How do I verify what’s truly “current”? Always call the program or check the official page’s date; ask your lender to email you the active guideline link used for your file. Virginia Housing news/updates, DHCD DPA, FHLBank 2025 announcement. (virginiahousing.com)

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Spanish Quick Summary (Resumen en español)

Esta guía resume ayudas reales en Virginia para el pago inicial y costos de cierre. Primero, tome la clase gratuita de Virginia Housing; luego pida una precalificación con un prestamista aprobado y pregunte por subvenciones activas este mes. Revise la ayuda de DHCD (hasta $40, 000 o$ 50,000 según ingresos) y los subsidios de FHLBank Atlanta ( $17, 500-$ 20,000 por bancos participantes). Si vive en zonas rurales, consulte préstamos USDA con $0 de enganche; si es veterana, consulte préstamos VA más la subvención CCA. Para emergencias de servicios públicos, llame al 2‑1‑1 Virginia y EnergyShare, y solicite Energy Assistance o PIPP en el DSS. Enlaces clave: Virginia Housing préstamos y subvenciones, DHCD DPA, Clases gratuitas. Nota: Traducción generada con herramientas de IA — verifique detalles por teléfono con cada agencia. (virginiahousing.com)

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About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

Virginia Housing, Virginia Housing DPA/CCA pages, Virginia Housing Plus Second Mortgage. (virginiahousing.com)
Virginia Department of Housing and Community Development (DHCD) DPA, Provider list, 2025 Pilot DPA item. (dhcd.virginia.gov)
U.S. Department of Housing and Urban Development (HUD) — counseling and FHA, FHA Resource Center. (hud.gov)
USDA Rural Development — Virginia, 502 Direct/Guaranteed. (rd.usda.gov)
FHLBank Atlanta 2025 grant announcement, Community Partners example. (corp.fhlbatl.com)
Local government programs: Arlington MIPAP, Alexandria Flexible Assistance, Loudoun loans, Prince William FTHB, Norfolk NRHA HomeNet. (arlingtonva.us)

Last verified September 2025, next review April January 2026.

Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

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Disclaimer

This guide is for general information. It is not legal, tax, or mortgage advice. Program availability, amounts, and rules change throughout the year and by locality. Call to confirm current availability before applying, ask your lender for the active guideline links used in your file, and keep copies of all documents. Virginia Housing, DHCD DPA, HUD counseling. (virginiahousing.com)

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Final Tip

Stay flexible. Lock in your class certificate, talk to two or three lenders, and get on your local provider’s list. Ask weekly about funds. The buyers who close in 2025 are the ones who checked back often, kept their documents updated, and had a Plan B ready.

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