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Federal Targeted Areas

Special Homebuyer Program

Certain areas of the state are designated as Areas of Economic Opportunity, also known as Federal Targeted Areas. To help stimulate growth within these areas, VHDA is permitted to relax certain loan program requirements. We may:

  • Raise the maximum allowable income and sales price limits.
  • Waive the first-time homebuyer restriction.*

You’ll also enjoy the other benefits of a VHDA home loan, including affordable rates, free homebuyer education and the assurance of knowing your loan will continue to be serviced by VHDA, right here in Virginia.

Federal Targeted Areas In Virginia

There are counties, cities and neighborhoods throughout Virginia that are designated as Federal Targeted Areas. To search for a specific address, use the Federal Targeted Areas for Homeownership Search Tool

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Federal Targeted Areas Map

For questions and statewide information on Federal Targeted Areas call VHDA's Homeownership Division.


* Mortgage applicants may not have held an ownership interest in a principal residence within the past three years. This applies to VHDA's First-time Homebuyer programs (Mortgage Revenue Bond) unless a property is located within a Federal Targeted Area.