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Workforce Housing Loan Program

Mixed-Income and Mixed-Use / Mixed-Income


New Workforce Housing Options Allow up to
80% of Units with Unrestricted Incomes


When it comes to financing workforce and other affordable housing developments, one size does not fit all. Each locality has its own population characteristics and housing needs. Local governments and developers need to be able to choose financing that fits the housing needs, preferences and demographic mix of their community.

VHDA has expanded the Mixed-Income (MI) and Mixed-Use / Mixed-Income (MUMI) programs to offer new lending options. Our new Workforce Housing Loan Program allows for a broader range of incomes.

The Workforce Housing program requires that a percentage of units must be reserved for residents whose annual income does not exceed certain limits. The rest of the units maybe rented to residents at any income level. The charts below describe requirements for each loan product. If the property includes any commercial/retail space, then the property must be located in a designated revitalization area.

All Workforce Housing loans can be used to finance a property with or without a commercial/retail component.


Choose the Financing That Works
Best for Your Community

The charts below show each loan option, and the percentage of units for each that must be reserved for residents earning a specified percentage of AMI. View AMI for various Virginia localities. All products are available throughout Virginia.

Workforce 20/80
Workforce 100
Workforce 40/60

All products are available across the entire state of Virginia

AMI Examples
(Effective 4/14/2017)

30% AMI
80% AMI
100% AMI
120% AMI
150% AMI
Northern Virginia
$ 78,700
$ 94,440
Hampton Roads
$ 73,000
$ 87,600

See More

If you are developer and would like more information about our Mixed Use/Mixed Income loan programs, please contact Bennett Atwill at or call at (804) 343-5768.


Contact Us

Multifamily Development Staff


Multifamily Servicing Staff


Tax Credit Allocation Staff


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


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


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Phone: 804-915-3146
Website: Reporting Fraud, Waste or Abuse