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Loan Information and Guidelines

	Program Guidelines Prior to 8/15/2018	Program Guidelines Effective 8/15/2018
Conventional 30 Year Fixed Rate Program
Fannie Mae HFA Preferred No MI	Program Guidelines	Program Guidelines
Fannie Mae HFA Preferred with Reduced MI	Program Guidelines	Program Guidelines
Government 30 Year Fixed Rate Program
FHA	Program Guidelines	Program Guidelines
FHA Plus (Discontinued Effective 8/15/2018)	Program Guidelines
VA (Veterans Affairs)	Program Guidelines	Program Guidelines
RHS (Rural Housing Service)	Program Guidelines	Program Guidelines
FHA Streamline Refinance	Program Guidelines	Program Guidelines
VA Interest Rate Reduction Refinance	Program Guidelines	Program Guidelines
VHDA Special Programs
Mortgage Credit Certificate (MCC)	Program Guidelines	Program Guidelines
Down Payment Assistance Grant	Program Guidelines	Program Guidelines
Plus Second Mortgage		Program Guidelines
Community Homeownership Revitalization Program (CHR)	Program Guidelines	Program Guidelines

Reference Material

PDF Origination Guide

PDF Old versus New Program Guidelines Comparison NEW!

PDF New Documents and Forms Effective Dates NEW!

PDF Loan Program Matrix

PDF Household Income Matrix

Income and Sales Price / Loan Limits

HUD Median Incomes

Eligibility Requirements

Areas of Economic Opportunity

Homebuyer Loan Rates

Discontinued Loan Programs

NOTE: You will need Adobe’s Acrobat Reader (.pdf), and/or Microsoft Office Software in order to view some of the documents on this page.

Becoming a VHDA Lender

Down Payment Assistance Grant

Homebuyer Tools and Resources

Lender Tools and Resources

Loan Information and Guidelines

Updates and Announcements

VHDA Mortgage Credit Certificates

Contact Us

Homeownership Program Department

Toll free: 800-227-8432
Local: 804-783-6725
Homeownership Staff Directory

Customer Service

Toll Free: 877-VHDA-123
Local: 804-782-1986

Virginia Relay

In Virginia: 711
Toll Free: 800-828-1140

VHDA Fraud, Waste or Abuse Hotline

Phone: 804-915-3146
Email: InternalAudit@vhda.com
Website: Reporting Fraud, Waste or Abuse