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How to Make a VHDA Loan Payment

Whether you want to make your payment online, have them automatically deducted from your bank account or mail them to our offices, here's what you need to know.

Online Payment

Use our online payment processing system.

Automatic Payment Plan

Save time, postage and the worry that your payment will be delayed or lost in the mail. It’s easy with VHDA’s free automatic payment plan. It lets your mortgage payment be automatically withdrawn from either your checking or statement savings account, letting you eliminate this monthly chore from your to-do list.

If you wish, we can even set up your automatic payment plan to apply extra principal each month. This option lets you pay off your loan more quickly and reduce your total interest charges.

To Enroll in the Automatic Payment Plan:

Virginia Housing Development Authority

Attn: ACH
P.O. Box 4549
Richmond, VA 23220-8549

We can process your payment any date from the 1st through the 15th of each month. Please let us know which specific date you wish to have your payment withdrawn. We’ll follow up with a letter to confirm that your payment will be drafted on the date you have requested. If you have any questions or need further information regarding automatic payment withdrawal, please contact our Customer Service Department by one of the methods listed below.

Payment by Mail

VHDA can provide either an annual payment coupon book or a monthly billing statement with a coupon attached. To help us give you the best customer service, please be sure that:

  • Your loan number is written on your check.
  • Your check is accompanied by the appropriate month’s coupon. Payments not received with a coupon will be applied at VHDA’s discretion.*
  • If you’re paying more than the required amount, you specify on the coupon how the extra amount is to be applied. Extra money sent, but not specified on the coupon, will be applied at VHDA’s discretion.*

* A customer request to change the way funds have been applied will be honored only if the request is received in the same month the payment was applied.


Please mail your payment to:
P.O. Box 79748
Baltimore, MD 21279-0748


Contact Us

Loan Servicing Department

Toll free: 800-235-6938
Local: 804-783-6729
Note: In order to protect your privacy, please do not send confidential personal information or sensitive materials through this form. VHDA is not responsible for the security and/or confidentiality of personal information submitted via this form.


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