Virginia Home Loans for Heroes: Every Program You Need to Know in 2026
2026 Virginia Market Update: Virginia median home price was approximately $412,000 (Experian/Curinos, May 2026). Northern Virginia (Washington/Arlington/Alexandria metro) runs significantly higher. VA loan rate: 5.75% (Veterans United, June 11, 2026). 30-year conventional: 6.49% (Zillow, June 8, 2026). Virginia ranked consistently among the top 10 states for military veteran population — creating strong demand for VA and hero loan products statewide.
⚠️ Community Heroes Grant — Verify Current Availability: Virginia Housing launched the $10,000 Community Heroes Grant in late 2025. Some lender notices from early 2026 have indicated the pilot may have been temporarily suspended. The official virginiahousing.com page currently returns a 404 error. Always confirm current availability with a Virginia Housing-approved lender before planning your finances around this grant. Contact Virginia Housing directly at Grants@VirginiaHousing.com or 877-843-2123.
Current Virginia Mortgage Rates — June 2026
*Virginia Housing does not publicly post current bond loan rates — contact a Virginia Housing-approved lender for the current rate. Market rates sourced from Zillow (June 8, 2026), NerdWallet (June 10, 2026), and Veterans United (June 11, 2026). Rates change daily — always verify before locking.
Who Qualifies as a Hero in Virginia?
Virginia Housing's Community Heroes Grant uses one of the broadest hero definitions in the nation. It covers current employees AND retirees across education, healthcare, public safety, military, and government. This is especially important: retired teachers, nurses, and first responders qualify — unlike many other states that restrict benefits to active employees only.
| Profession | Community Heroes Grant $10K* | DPA / CCA Grant | VA Loan | GNND (HUD) | Granting Freedom |
|---|---|---|---|---|---|
| Teachers / Educators (K-12) | ✓ Active & Retired | ✓ (income limits) | — | ✓ 50% off | — |
| Nurses / RNs / LPNs / CNAs | ✓ Active & Retired | ✓ (income limits) | If veteran | — | — |
| Other Healthcare Workers (social workers, lab techs, medical assistants) | ✓ Active & Retired | ✓ (income limits) | If veteran | — | — |
| Firefighters / EMTs / Paramedics | ✓ Active & Retired | ✓ (income limits) | If veteran | ✓ 50% off | — |
| Law Enforcement / Police | ✓ Active & Retired | ✓ (income limits) | If veteran | ✓ 50% off | — |
| Active Military / Veterans | ✓ Active & Retired | ✓ (income limits) | ✓ Full benefits | — | — |
| Veterans with Service-Connected Disability | ✓ Active & Retired | ✓ | ✓ + fee waiver | — | ✓ Up to $8,000 |
| Other Government / Public Employees | ✓ Verify with lender | ✓ (income limits) | If veteran | — | — |
*Community Heroes Grant: verify current availability before applying — see alert above. Source: Virginia Housing Community Heroes Grant Program Guidelines (December 2025) and virginiahousing.com/homebuyers/community-heroes-grant (confirmed via lender sources, June 2026).
Program-by-Program Breakdown
1. Community Heroes Grant — $10,000 True Grant
State Program — Virginia Housing True Grant — No Repayment ⚠️ Verify AvailabilityVirginia Housing's dedicated hero program provides $10,000 as a true grant — never repaid — to eligible first-time homebuyers in qualifying professions. This grant can be combined with other Virginia Housing programs (DPA Grant, Plus Second Mortgage, CCA Grant) to maximize total assistance. Eligible professions include current and retired teachers, nurses, all healthcare workers, firefighters, EMTs, law enforcement, active military, veterans, and other public servants.
| Grant amount | $10,000 — true grant, no repayment required ever |
| Who qualifies | Current or retired: teachers, nurses/healthcare workers (CNAs, LPNs, RNs, social workers, lab techs, medical assistants, patient care staff), firefighters, EMTs, paramedics, law enforcement, active military, veterans, other public servants — verify exact career list with lender or at Grants@VirginiaHousing.com |
| Homebuyer status | Must be first-time homebuyer under Virginia Housing guidelines (no ownership in past 3 years; exceptions for Areas of Economic Opportunity) |
| Loan requirement | Must use a Virginia Housing bond loan (Conventional, FHA, VA, or RHS bond) — not available with non-bond Virginia Housing loans |
| Income limits | Virginia Housing Standard/Bond income limits apply by metro area — see income limits table below. Targeted area income limits may apply if combined with other programs. |
| Sales price limits | Virginia Housing Bond program sales price limits apply by metro area — see income limits table |
| Stacking | Can be combined with Virginia Housing DPA Grant, CCA Grant, and Plus Second Mortgage (lowest income limit of combined programs applies) |
| Required documentation | Community Heroes Certification form (completed before closing), employment or retirement documentation, income verification |
| ⚠️ Availability note | Confirm current availability with Virginia Housing-approved lender BEFORE making financial plans. Funds may be limited or program status may have changed. Contact: Grants@VirginiaHousing.com |
| Official site | virginiahousing.com — search "Community Heroes Grant" or contact 877-843-2123 |
2. Virginia Housing Down Payment Assistance (DPA) Grant
State Program — Virginia Housing True Grant — No Repayment Active 2026Virginia Housing's core down payment assistance program provides 2–2.5% of the purchase price as a true grant — never repaid. Available only with eligible Virginia Housing FHA or Conventional bond loans. Cannot be combined with the CCA Grant or Plus Second Mortgage in the same transaction.
| Grant amount | 2% of purchase price (standard) — up to 2.5% in some cases. True grant — no repayment |
| Compatible loans | Virginia Housing FHA bond or Conventional bond first mortgage only. Cannot use with VA loan (use CCA Grant for VA loans instead). |
| First-time buyer required? | Yes — or purchasing in a Virginia Housing Area of Economic Opportunity |
| Income limits | DPA Grant income limits (lower tier) — see table below. Verify by metro area at virginiahousing.com/income-limits |
| Can stack with Heroes Grant? | Yes — lowest income limit of the two programs applies when combined |
| Official site | virginiahousing.com — DPA Grant |
3. Closing Cost Assistance (CCA) Grant — VA Loan Veterans
State Program — Virginia Housing True Grant — No Repayment Active 2026The CCA Grant provides up to 2% of the purchase price to cover closing costs, RHS guarantee fees, or VA funding fees. It is a true grant requiring no repayment. Available only when paired with a Virginia Housing VA bond loan or RHS bond loan.
| Grant amount | Up to 2% of purchase price — true grant, no repayment. Can cover VA funding fee. |
| Compatible loans | Virginia Housing VA bond loan or RHS bond loan only. Cannot use with FHA or conventional Virginia Housing loans. |
| Can cover VA funding fee? | Yes — CCA Grant funds can be applied to the VA funding fee, significantly reducing out-of-pocket costs at closing |
| Income limits | Virginia Housing Bond income limits apply — verify by metro area at virginiahousing.com/income-limits |
| Can stack with Heroes Grant? | Yes — veteran heroes can potentially receive $10,000 Community Heroes Grant + CCA Grant for closing cost coverage |
| Official site | virginiahousing.com — CCA Grant |
4. Virginia Housing Plus Second Mortgage
State Program — Virginia Housing Active 2026The Plus Second Mortgage provides up to 5% of the purchase price (up to 6.5% for borrowers with 680+ credit score who finance closing costs) as a 30-year fixed-rate second mortgage. No prepayment penalty. Available to buyers who don't qualify for the grant due to income limits or repeat buyer status.
| Assistance amount | Up to 5% of purchase price. Up to 6.5% for 680+ credit score borrowers who finance closing costs into the second mortgage. |
| Structure | 30-year fixed-rate second mortgage — not a grant. Must be repaid (deferred until sale/refinance/payoff). |
| First-time buyer required? | No — available to repeat buyers who don't qualify for DPA Grant programs |
| Income limits | Expanded / Non-bond income limits apply: $245,000 (Washington/Arlington/Alexandria), $175,000 (Richmond and other metros) — verify at virginiahousing.com/income-limits |
| Can stack with Heroes Grant? | Yes — can be combined with Community Heroes Grant when income limits are met |
| Official site | virginiahousing.com — Plus Second Mortgage |
5. Granting Freedom — Disabled Veterans Home Modification Grant
State Program — Virginia Housing + DVS True Grant — No Repayment Disabled Veterans Only Active 2026The Granting Freedom program provides up to $8,000 in grant funds to modify an owner-occupied home or rental unit to be accessible for Virginia veterans and service members with a service-connected disability resulting from a line-of-duty injury. This is a true grant — no repayment ever required. Separate from standard homebuyer DPA programs.
| Grant amount | Up to $8,000 — true grant, no repayment. First-come, first-served basis. |
| Who qualifies | Virginia veterans and active service members with a service-connected disability resulting from a line-of-duty injury. Applies to both owner-occupied homes and rental units. |
| Eligible modifications | Wheelchair ramps, widened doorways, grab bars, other VA-recommended accessibility modifications that make the home accessible for the specific disability |
| Separate from home purchase? | Yes — Granting Freedom can be applied to any existing home, not only at time of purchase. Also applies to rental units (landlord must cooperate). |
| Application process | Must be submitted through a Virginia Housing-accepted agent. Contractor has 120 days from approval to complete work. |
| Required documentation | VA disability award letter or rating letter citing service-connected disability, or MEB/PEB documentation for active service members |
| Official site | virginiahousing.com — Accessibility Grants |
6. Virginia Housing VA Bond Loan
State Program — Virginia Housing With Federal VA Benefit Active 2026Virginia Housing offers its own VA bond loan program for eligible veterans, which can be paired with state grants (CCA Grant, Community Heroes Grant) that are not available with the standard federal VA loan. Veterans should compare rates between the Virginia Housing VA bond loan and the standard federal VA loan before choosing.
| Down payment | $0 — VA benefit, no down payment required |
| Rate | May differ from standard federal VA rate — contact Virginia Housing-approved lender for current rate |
| CCA Grant compatible? | Yes — CCA Grant (up to 2% of purchase price) can cover VA funding fee and closing costs |
| Heroes Grant compatible? | Yes — Community Heroes Grant ($10,000, verify availability) can be layered on top of VA bond loan |
| Income limits | Virginia Housing Bond income limits apply by metro area — verify at virginiahousing.com/income-limits |
| First-time buyer required? | Yes for bond loan — unless purchasing in a Virginia Housing Area of Economic Opportunity |
| Official site | virginiahousing.com — Home Loans |
7. Standard Federal VA Loan (Non-Bond)
Federal Program — VA Active 2026The standard federal VA loan provides the best overall value for most Virginia veterans — $0 down payment, no PMI, and competitive rates. Veterans with incomes above Virginia Housing's limits, or buying above state price caps, should prioritize the standard federal VA loan over Virginia Housing's bond programs.
| Current rate | 5.75% (Veterans United, June 11, 2026) — $0 down, no PMI |
| Income limits | None — no income limit for standard federal VA loans |
| Purchase price | Up to $806,500 with $0 down (2026 conforming limit for most VA counties). No limit with down payment. |
| VA funding fee | 1.25%–3.3% of loan amount — WAIVED for veterans with any service-connected disability rating |
| Mortgage insurance | None — no PMI, no MIP ever |
| CCA/Heroes Grant available? | No — state grants require Virginia Housing bond loan. Virginia Beach or local city DPA programs may stack with standard VA loan. |
| Official site | VA.gov — VA Home Loans |
8. Good Neighbor Next Door (GNND) — HUD
Federal Program — HUD Active 2026HUD's Good Neighbor Next Door provides 50% off the list price of HUD-owned REO homes for eligible full-time law enforcement officers, K-12 teachers, firefighters, and EMTs who commit to living in the home as their primary residence for 36 months.
| Discount | 50% off HUD list price — HUD carries silent second mortgage for 50%, forgiven after 36 months of owner-occupancy |
| Who qualifies | Full-time law enforcement, K-12 teachers (public or accredited private), firefighters, EMTs — must serve in the area where the home is located |
| Property type | HUD-designated REO property in a HUD revitalization area — check current Virginia listings weekly at HUD.gov |
| Can stack with VA loan? | Yes — veterans qualifying for GNND can use their VA loan for the reduced 50% purchase price |
| Official site | HUD.gov — Good Neighbor Next Door |
Virginia Housing Income & Sales Price Limits — June 2026
These limits were verified directly at virginiahousing.com/partners/lenders/lending-limits-requirements (effective 8/19/2025). Always confirm current limits with a Virginia Housing-approved lender before applying — limits update periodically.
| Metro Area | DPA / CCA Grant Programs (Bond) | Standard / Bond Programs | ||||
|---|---|---|---|---|---|---|
| Income (1–2 persons) | Income (3+ persons) | Sales Price / Loan Limit | Income (1–2 persons) | Income (3+ persons) | Sales Price / Loan Limit | |
| Washington / Arlington / Alexandria | $148,000 | $174,000 | $800,000 | $186,000 | $217,000 | $800,000 |
| Richmond | $96,000 | $110,000 | $550,000 | $120,000 | $138,000 | $550,000 |
| Norfolk / Virginia Beach / Newport News | $97,000 | $113,000 | $575,000 | $121,000 | $141,000 | $575,000 |
| Charlottesville | $95,000 | $109,000 | $550,000 | $119,000 | $137,000 | $550,000 |
| Culpeper / Rappahannock | $98,000 | $115,000 | $675,000 | $123,000 | $144,000 | $675,000 |
| All Other Areas of Virginia | $90,000 | $103,000 | $500,000 | $112,000 | $129,000 | $500,000 |
For repeat buyers using the Plus Second Mortgage (non-bond): income limit is $245,000 for Washington/Arlington/Alexandria and $175,000 for all other Virginia metros, with no sales price limit. Source: virginiahousing.com, effective 8/19/2025. Verify current limits at virginiahousing.com/income-limits.
City-Level Programs — Virginia Heroes
Arlington — Moderate-Income Purchase Assistance Program (MIPAP)
County Program — Arlington ⚠️ Verify Availability — Not Currently AcceptingArlington's MIPAP provides up to 25% of the purchase price as a 0% interest deferred second loan (maximum $112,500). As of June 2026, this program was NOT accepting new applications. Verify current status at arlingtonva.us before planning. Arlington is eligible for Virginia Housing's high-limit programs ($148,000–$186,000 income limits, $800,000 sales price limit).
MIPAP status as of June 2026: Not accepting new applications. Verify current funding status at arlingtonva.us/housing before making financial plans. Program may reopen with new funding — contact Arlington Housing at 703-228-3765.
Richmond — Homebuyer Assistance
City Program — Richmond Active — Verify AvailabilityThe City of Richmond provides up to $20,000 in down payment and closing cost assistance as a zero-interest deferred loan for income-eligible first-time homebuyers within Richmond city limits. Heroes in public service qualifying under income limits are eligible. Also: Richmond Redevelopment and Housing Authority (RRHA) launched the ComeHome homeownership program in 2025 for public housing residents and voucher holders — contact RRHA directly for current status.
Verify current Richmond program availability at richmond.gov or contact RRHA at 804-780-4200. Income limits based on local AMI — verify before applying. Richmond Bond income limits: $96,000 (1–2 persons) / $110,000 (3+ persons), sales price limit $550,000.
Henrico County — County Employee DPA
County Program — Henrico County Employees Only Active — Verify AvailabilityHenrico County offers up to $25,000 as a forgivable loan to full-time county employees who have worked for the county at least one year. The loan is forgiven after five years of owner-occupancy. This program specifically benefits Henrico County teachers, firefighters, police, and other county employees — making it a strong hero-specific city-level benefit for Henrico workers.
Must be employed full-time by Henrico County for at least one year. Must be a first-time homebuyer and earn below Virginia Housing's income limits. Verify current program status and availability at henrico.us or contact Henrico's Department of Community Revitalization.
Smart Stacking — How Virginia Heroes Maximize Savings
Virginia's strongest stacking combinations layer state, federal, and local programs together. The key is finding a lender approved for all programs you want to combine. Always confirm program compatibility before going under contract.
Non-Veteran Hero Stack (Best Statewide)
Community Heroes Grant: $10,000 (verify availability)
+ Virginia Housing DPA Grant: 2% of purchase price (~$8,000–$11,000 on median VA home)
+ Homes for Heroes network: ~$1,500–$3,000 cash back
Veteran Hero Stack (Best — Virginia Housing VA Bond)
Community Heroes Grant: $10,000 (verify availability)
+ CCA Grant: up to 2% (covers VA funding fee + closing costs)
+ VA loan: $0 down, no PMI
+ Homes for Heroes: ~$1,500–$3,000 cash back
High-Income Hero Stack (Above Bond Limits)
Standard federal VA loan: $0 down, no PMI (no income limit)
+ Plus Second Mortgage: up to 5% for closing cost coverage
+ Homes for Heroes: ~$1,500–$3,000 cash back
Disabled Veteran Stack (Maximum Benefits)
Standard VA loan: $0 down, no PMI, VA funding fee WAIVED
+ Granting Freedom: up to $8,000 for accessibility modifications
+ Full property tax exemption: $0 real estate tax (Code § 58.1-3219.5)
How to Apply — Step by Step
Warnings and Common Pitfalls
These mistakes cost Virginia hero buyers thousands of dollars and valuable program access every year.
Warning 1 — DPA Grant and VA Loan Cannot Be Combined
This is the most common stacking mistake Virginia heroes make. The Virginia Housing DPA Grant (2% of purchase price) is only compatible with FHA and Conventional Virginia Housing bond loans — NOT with VA loans. Veterans who want state grant assistance with their VA loan must use the CCA Grant (up to 2%), not the DPA Grant. These are two separate programs with different compatible loan types.
Warning 2 — Community Heroes Grant: Confirm Before You Count On It
The Community Heroes Grant ($10,000) was launched in late 2025 as a new program. Some lender communications from early 2026 indicate the program may have experienced a temporary pause or suspension. If you build your entire financial plan around this grant and it is not currently available, you may face a funding gap at closing.
Warning 3 — Northern Virginia Heroes Often Exceed Standard Bond Income Limits
Virginia's Northern Virginia metro (Washington/Arlington/Alexandria) has significantly higher income limits than the rest of the state — but many teachers, nurses, and first responders in the area still earn above even the elevated DPA Grant limit of $148,000 (1–2 persons). Heroes above Virginia Housing bond limits cannot use bond loan programs, but the standard federal VA loan (for veterans) and the Plus Second Mortgage non-bond program ($245,000 income limit) remain available.
Warning 4 — 100% Disabled Veterans Must Apply for Property Tax Exemption — It Is Not Automatic
Virginia's full real estate tax exemption for 100% permanently disabled veterans (Code § 58.1-3219.5) is a statewide right — but it requires an application with your local Commissioner of the Revenue. Veterans who close on a home and don't apply immediately lose the exemption for that tax year. On a typical Virginia home, this saves thousands of dollars annually.
Warning 5 — Retired Heroes Often Don't Know They Qualify
The Virginia Housing Community Heroes Grant (when available) explicitly covers retired professionals — retired teachers, nurses, firefighters, police, and veterans all qualify. Many retired heroes assume they must be currently employed to access hero-specific programs. This is NOT the case for Virginia Housing's Community Heroes Grant. If you are a retired teacher, retired nurse, or retired first responder, you qualify the same as active employees.
Virginia Veteran Property Tax Benefits
Virginia offers one of the strongest veteran property tax benefits in the nation. Under Virginia Code § 58.1-3219.5, 100% permanently disabled veterans receive a full real estate tax exemption — $0 property tax on their primary residence, statewide. This is not a partial reduction — it is a complete exemption.
| Benefit | Who Qualifies | Annual Savings Example | How to Apply |
|---|---|---|---|
| Full Real Estate Tax Exemption (Code § 58.1-3219.5) | Veterans with 100% service-connected permanent and total disability (certified by VA). Surviving spouse (not remarried) of qualifying veteran or servicemember killed in the line of duty. | On a $412,000 VA median home at average effective rate of 0.74%: saves ~$3,049/year · $91,470 over 30 years | File with Commissioner of the Revenue in your locality. Bring VA disability certification. Once granted, continues automatically. Contact dvs.virginia.gov. |
| Vehicle Personal Property Tax Exemption | 100% P&T disabled veterans — one vehicle | Varies by locality and vehicle value | File with Commissioner of the Revenue |
| Surviving Spouse of Servicemember Killed in Line of Duty | Non-remarried surviving spouse (per 2024 constitutional amendment — expanded from "killed in action" to "died in the line of duty") | Same as full real estate exemption | Same process — contact dvs.virginia.gov |
Source: Virginia Code § 58.1-3219.5 verified at law.lis.virginia.gov, June 11, 2026. Virginia Department of Veterans Services: dvs.virginia.gov. Annual savings example uses Virginia's average effective property tax rate of 0.74% (propertytaxrates.org, 2026) on median home value of $412,000 — actual savings depend on your locality's specific rate, which varies widely (Fairfax County: $1.135 per $100; rural counties: as low as $0.37). Verify exemption application process with your local Commissioner of the Revenue.
Real Buyer Scenarios — 2026 Virginia Market
Names and identifying details changed for privacy. Dollar amounts use June 2026 market conditions and verified program rules. Community Heroes Grant scenarios assume grant is active — verify current availability before relying on this program.
Scenario A — Nurse, Richmond, $340,000 Home
RN at VCU Health · Non-veteran · First-time buyer · Income $87,000 · Credit score 694 · Richmond metro area
A Richmond nurse was quoted a standard FHA loan by her bank — $11,900 down, $8,500 closing costs, FHA MIP for life. A Virginia Housing-approved lender showed her a very different picture using the hero-specific programs.
Bank's Quote (Standard FHA)
Rate: 6.25% FHA
Down payment: $11,900 (3.5%)
Closing costs: ~$8,500
FHA MIP: ~$138/mo (life of loan)
Monthly P+I: ~$1,982 + $138 MIP = $2,120
Out of pocket: ~$20,400
Virginia Housing Heroes Stack (Best)
Virginia Housing FHA bond rate: competitive (verify)
Community Heroes Grant: $10,000 (if available — verify)
DPA Grant: 2% = $6,800
Combined: $16,800 covers down payment + partial closing costs
Income $87,000: within Richmond DPA limit ($96,000 for 1–2 persons) ✓
Homes for Heroes: ~$1,700 cash back
Out of pocket: ~$2,000 (partial closing costs + prepaid items)
Result: The nurse saved approximately $18,400 at closing using the Virginia Housing heroes stack. Her bank was not Virginia Housing-approved and never mentioned the Community Heroes Grant or DPA Grant. Richmond's $96,000 income limit (DPA tier, 1–2 persons) comfortably covered her $87,000 salary. Note: Assumes Community Heroes Grant is active — confirm current availability before proceeding.
Scenario B — 100% Disabled Army Veteran / Firefighter, Virginia Beach, $385,000 Home
Virginia Beach Fire Rescue · Army veteran (100% P&T service-connected disability) · First-time buyer · Income $79,000 · Credit score 711 · Norfolk/VA Beach metro area
A Virginia Beach firefighter and 100% disabled Army veteran had an extraordinary combination of benefits — but his first lender didn't mention the VA funding fee waiver, the state property tax exemption, or the Granting Freedom program for his limited mobility needs.
What He Was Initially Quoted
Standard FHA loan: 3.5% down ($13,475)
Rate: 6.25% FHA
FHA MIP: ~$155/mo (life of loan)
VA funding fee: not mentioned
Property tax exemption: not mentioned
Out of pocket: ~$21,500 · Monthly: ~$2,238 + $155 MIP = $2,393
Full Hero Package (Best)
VA loan: 5.75% · $0 down · No PMI
VA funding fee: WAIVED (100% disability) — saves $4,813
Community Heroes Grant: $10,000 (verify availability) — covers closing costs
CCA Grant: up to 2% ($7,700) — additional closing cost coverage
Income $79,000: within NoVA Beach DPA limit ($97,000, 1–2 persons) ✓
Property tax: FULL EXEMPTION (Code § 58.1-3219.5) — saves ~$3,735/year at VA Beach rate
Granting Freedom: up to $8,000 for home modifications (if needed)
Out of pocket: ~$500 · Monthly: ~$2,248 P+I only — $0 property tax
Result: The disabled veteran-firefighter's annual property tax savings alone ($3,735/year at Virginia Beach's $0.97 rate on $385,000) totaled $112,050 over 30 years. VA funding fee waiver saved $4,813 at closing. No FHA MIP saves ~$55,800 over 30 years vs FHA path. Total 30-year advantage vs. his initial quote: over $170,000. His first lender missed every single one of these benefits. Assumes Community Heroes Grant is active — verify before proceeding.
Official Resources and Useful Links
Frequently Asked Questions
Virginia Hero Loan Series
Bottom Line: Virginia's hero loan landscape is led by the $10,000 Community Heroes Grant — one of the few state programs that explicitly covers retired heroes alongside active employees. Verify current availability of this grant before building your financial plan around it. For veterans, the combination of the federal VA loan + CCA Grant (closing cost coverage) + full property tax exemption for 100% disabled veterans creates one of the most powerful homebuying packages available anywhere in the country. Disabled veterans who qualify for Granting Freedom ($8,000 home modification grant) and the full property tax exemption can save $170,000+ over 30 years compared to a standard FHA path. Complete Virginia Housing homebuyer education first — it's free, required for bond programs, and available online.
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