All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Virginia Housing (the state HFA) pairs a 30-year fixed-rate first mortgage (FHA, VA, RD, or conventional) with a true grant — never repaid — toward down payment, for qualified first-time homebuyers (or repeat buyers in a Federally designated Targeted Area). Requires completion of a Virginia Housing-approved homebuyer education course.
Pairs a Virginia Housing first mortgage with a second, 30-year fixed-rate loan covering 3%-5% of the purchase price to eliminate the need for a separate cash down payment; borrowers with credit scores of 680+ may also finance part of closing costs.
Estimated all-in monthly payment for a home price you have in mind.
Check which down payment assistance programs you likely qualify for.
What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.
Virginia's transfer tax is only 0.10% and the seller usually pays it. Here's what a buyer really pays to close on a $453,389 Virginia home, line by line.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.