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Tools for Homebuyers

Here's all the equipment you need for a quick analysis of different qualifications based on your specific information and VHDA mortgage loans.

Steps to Homeownership
Discover the five main steps in the process of buying a home, starting with homeownership education and finishing with the loan closing.

Homeownership Education
Learn how to buy a home the right way and avoid costly mistakes.

Income and Sales Price / Loan Limits
All of our First-time Homebuyer Loans have maximum income and maximum sales price limits based on the geographic area in which the home is located.

How to Apply for a VHDA Loan
See if you're eligible for one of our innovative, low-interest loans by applying through a statewide network of lenders.

Find a Lender
VHDA-approved lender locator. Find a lender branch office close to you.

Housing counseling
A HUD-approved housing counseling agency can help you make the right financial decision, and avoid an expensive mistake!  

Ready to be a homeowner? Use this app to find out!
Pre-purchase counseling can help you figure out if you’re ready for the responsibilities of homeownership, and connect you with safer and more affordable mortgages. And now, thanks to HUD’s new mobile app, it’s never been easier for Apple smartphone and Apple tablet users to find certified housing counselors in their community.

Interest Rates

VHDA's rates are subject to change due to market conditions. To inquire about our rates contact a VHDA-approved lender.


How much will my fixed rate mortgage payment be?
This calculator computes the payments (principal and interest) for a fixed rate loan, using monthly interest compounding and monthly payments.

How much will I save by increasing my mortgage payment?
Find out how much interest you can save by paying an additional amount with your mortgage payment. The additional amount will reduce the principal on your mortgage, as well as the total amount of interest you will pay, and the number of payments.


Contact Us

Homebuyer Department

Toll Free: 800-227-8432
Local: 804-783-6725


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
Website: Reporting Fraud, Waste or Abuse