VA Housing Help

NORTH VIRGINIA DOWN PAYMENT ASSISTANCE

See if you qualify for up to $7,000 in down payment & closing cost assistance.

About Us

At VA Housing Help, we believe homeownership should be accessible to everyone, no matter where you live. Our mission is to help individuals and families statewide secure the funding they need to buy a home with little to no money down. We specialize in down payment and closing cost assistance programs, connecting buyers with financial resources to make homeownership possible.

Why Choose Us?

Access to down payment & closing cost assistance
Personalized guidance from experienced mortgage and real estate professionals
Expertise in first-time homebuyer programs & Non-QM lending
Fast and simple qualification process
Available in all counties—wherever you are, we can help!

Let us help you take the next step toward homeownership! Contact us today to see how much assistance you qualify for.

Frequently Asked Questions

1. How do I know if I qualify for down payment and closing cost assistance?

Eligibility is based on factors such as income, credit score, first-time homebuyer status, and the location of the property. Each program has different requirements, and we can help determine which ones you qualify for.

2. Do I have to be a first-time homebuyer to receive assistance?

Not always! Some programs are specifically for first-time homebuyers, but others are available for repeat buyers, move-up buyers, or those who haven’t owned a home in the past few years.

3. What credit score is required to qualify?

Credit score requirements vary by program, but many require a minimum score of 620. Some programs may accept lower scores, especially if other financial factors are strong.

4. Is down payment assistance a loan, grant, or forgivable?

It depends on the program! Some offer grants (no repayment required), forgivable loans (that don’t need to be repaid after a certain period), or low-interest second mortgages. We’ll help you explore your best options.

5. Can I use down payment assistance for any home I want?

Most programs have property eligibility guidelines, such as price limits or requirements that the home be your primary residence. Investment properties typically do not qualify.

6. How much assistance can I receive?

The amount varies by program, location, and financial need. Some programs cover the full down payment, while others contribute toward both the down payment and closing costs.

7. Do I need to contribute any money out-of-pocket?

Many programs allow for low or no out-of-pocket costs, but some require a minimum investment from the buyer. We can guide you on how to minimize your upfront expenses.

8. How long does the homebuying process take with assistance programs?

The timeline varies, but most buyers can close within 30-45 days once they are pre-approved and have an accepted offer. We work to ensure a smooth and efficient process.

9. Can I combine multiple assistance programs?

Yes! Some buyers combine different assistance programs for additional financial benefits. We can help structure the best possible deal for your situation.

10. Documentation needed to apply?

If You Are a W-2 Employee:

Most recent 2 years of W-2s
Most recent 1 month of pay stubs
Most recent 2 months of bank statements
Government-issued photo ID

If You Are Self-Employed or 1099:

Most recent 2 years of personal and business tax returns (with all schedules)
Year-to-date profit and loss statement (P&L)
Most recent 2 months of business and personal bank statements
Government-issued photo ID

Note:

Additional documentation may be requested depending on the assistance program and your financial profile.

Free Quote

We look forward to working with you!

We’re Here to Help You Become a Homeowner!

Have questions about down payment and closing cost assistance? Need help getting started? Contact us today—our team is ready to guide you every step of the way!