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***Scams are on the rise***
Virginia Housing is NOT promoting an open waitlist for Parkview Manor from 6/14-21. Please DO NOT submit personal information to: usa-assistance.com.

Virginia Housing will be updating servers, software, and equipment on the weekend of June 22-23.
All systems may be unavailable from 2 PM on Saturday until 1 PM on Sunday.

Loan Guidelines Archive


These program guidelines and other material are used for loans with applications prior to December 15, 2023.

Mortgage Credit Certificate (MCC) Guidelines


MCCs were suspended May 1, 2023, but a small allocation is available as of the Spring 2024 to participating lenders.
Contact your Business Development Officer if you are not participating but are interested.


    Mortgage Credit Certificate (MCC)

 Program Guidelines

    Mortgage Credit Certificate (MCC) Program Guide

 Program Guide

    Mortgage Credit Certificate (MCC) Re-Introduction FAQs

Program FAQs


First Mortgage Program Guidelines
     Conventional Bond

 Program Guidelines

    Conventional

 Program Guidelines

     Conventional No MI

 Program Guidelines

     FHA Bond

Program Guidelines

     FHA

 Program Guidelines

     VA (Veterans Affairs) Bond

 Program Guidelines

     VA (Veterans Affairs)

 Program Guidelines

     RHS (Rural Housing Service) Bond

 Program Guidelines

     RHS (Rural Housing Service)

 Program Guidelines



Specialty Program Guidelines
    Plus Second Mortgage

 Program Guidelines

    Down Payment Assistance (DPA) Grant

 Program Guidelines

    Closing Cost Assistance (CCA) Grant

 Program Guidelines

    Sponsoring Partnerships & Revitalizing Communities (SPARC) 

 Program Guidelines