Listed as open as of October 2, 2026: the Virginia Housing DPA Grant, Closing Cost Assistance Grant and Plus Second Mortgage. Paused or closed: SPARC rate reductions (expected to reopen in January 2027) and FirstHome Dream. Confirm current status with a Virginia Housing-approved lender. Checked October 2, 2026.
How CCA Grant works
The Closing Cost Assistance Grant is a grant from Virginia Housing. It is up to 2% of the price, based on the lesser of the price or appraised value, with a Virginia Housing VA Bond or RD Bond first mortgage.
It covers closing costs, discount points, prepaids and the VA funding fee or RD guarantee fee. It cannot be used for the down payment, and it may be reduced if it is more than your closing costs.
You must be a first-time buyer unless you are buying in a targeted area, have whole-household income within the grant limits, and have a minimum score of 620.
Key benefits
A grant, not a loan
The CCA Grant is a grant toward your closing costs.
Covers the VA or RD fee
It can pay closing costs, discount points, prepaids and the VA funding fee or RD guarantee fee.
Works with other non-Virginia Housing help
It can be combined with other help that does not come from Virginia Housing.
The steps
Choose a Virginia Housing-approved lender
The grant is paired with a Virginia Housing VA Bond or RD Bond first mortgage.
Confirm eligibility
Check first-time status (or a targeted area), whole-household income against the grant limits, and a minimum 620 score.
Review your closing costs with your lender
The grant may be reduced if it is more than your closing costs.
Watch out for
Planning to use it for the down payment
The CCA Grant cannot be used for the down payment.
Expecting the full 2% regardless of costs
It may be reduced if it is more than your closing costs.
Stacking it with other Virginia Housing help
It cannot be combined with the DPA Grant or the Plus Second Mortgage.
Frequently asked questions
Do I repay the Closing Cost Assistance Grant?
No. It is a grant, not a loan.
Which first mortgage do I need?
A Virginia Housing VA Bond or RD Bond first mortgage.
What can it pay for?
Closing costs, discount points, prepaids and the VA funding fee or RD guarantee fee. It cannot be used for the down payment.
Can I combine it with the DPA Grant or Plus Second?
No. It can be combined with other help that does not come from Virginia Housing.
See if the CCA Grant fits you
Answer a few quick questions to see which Virginia programs you may qualify for.
Check If You May Qualify
Find Programs I May Qualify ForProgram details change frequently — verify current guidelines with a licensed lender; this is not a commitment to lend or a guarantee of eligibility.
Last updated: October 2026. Licensed in VA, MD and DC. Not affiliated with Virginia Housing, the Virginia Department of Housing and Community Development, or any county or city housing office.
Related programs
Source: Virginia Housing (virginiahousing.com). Checked 2026-10-02.