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Where does the funding for the Vhda come from?

Virginia Housing provides mortgages, primarily for first-time homebuyers and developers of quality rental housing. We use no state taxpayer dollars, but raise money in the capital markets to fund our loans.

Do Vhda loans have PMI?

USDA/VHDA One of the benefits of a USDA/ VHDA loan is that you do not need any money down. You can get a loan for the entire sales price of the property. However, instead of mortgage insurance or PMI, there is a 1% guarantee fee of the loan price.

What do you need to qualify for first-time home buyer in Virginia?

Through Virginia Housing, first-time buyers can obtain a mortgage loan, a down payment grant, a mortgage credit certificate, and a free home buyer education course, all in one tidy bundle. Youll need a credit score between 620 and 680 to qualify, depending on the loan type.

What type of loan is Vhda?

VHDA Mortgage Loans VHDA Loans are tailored to first-time homebuyers and current homeowners who are thinking about buying in Areas of Economic Opportunity. All VHDA loans have income and maximum sales price limits. Those limits are based on the geographic area in which the home is located.

What is the minimum credit score for a Vhda loan?

Program Specifics to Qualify Cannot have owned real estate in previous 3 years (3 years federal tax returns required). 620-660 minimum credit score depending on program. Home Buyer education required.

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