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Virginia Housing Development Authority

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FHA Plus
Check Eligibility


FHA-fixed first mortgage.


No down payment cash is needed, because in addition to VHDA’s FHA-insured first mortgage, you’ll also receive a second mortgage to help fund your down payment and closing costs.


Maximum loan amount:
First mortgage – maximum FHA mortgage
Second mortgage – 3.5% to 5% of sales price


No cash back


Low 30-year fixed interest rate on both the first and second mortgages.


$0 down payment.