VHDA > Homebuyers > Tools for Homebuyers > Quick Start
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Quick Start 

Let us help you determine which VHDA loan products might best fit your situation. Answer the questions below, and we'll help you choose the programs that work best for you. For help or additional information about a question, click on its caption.

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If you wish to have your name appear on a VHDA Eligibility Certificate (if your information meets requirements), enter your name here.
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Select the locality in which you plan to purchase or refinance a home. VHDA's Sales Price and Income Limits can vary by County/City, so this information is necessary to check eligibility.
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Indicate the reason you are interested in obtaining a home loan. Available loan products can vary based on whether the loan will be used for purchase or refinance.
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Indicate whether the home would be New Construction or an Existing home.
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Indicate whether you or any of the prospective borrowers have owned a home in the past 3 years. Note that VHDA's first-time homebuyer programs require no previous homeownership for three years.
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If this loan would be used for home purchase, indicate the purchase price. If you do not have a particular home in mind, enter an estimated value here.
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Enter the loan amount for the home you are considering. Available loan products can vary by loan amount.
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Enter the Total Gross Annual Income for all borrowers (income before taxes and deductions).
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Enter the Annual Income for all non-borrowing household members that will live in the home. (income before taxes and deductions). This may include a child's income, etc.
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Indicate the total number of people who will occupy the home.
 

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Contact Us

Homebuyer Department

Toll Free: 800-227-8432
Local: 804-783-6725
vhdacomm@vhda.com

Customer Service

Toll Free: 877-VHDA-123
Local: 804-782-1986
Or Contact VHDA Online

Virginia Relay

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

HOMEBUYER LOAN RATES

Fixed 3.000% 3.155% APR
FHA Plus 3.250% 3.408% APR
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