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Home Ownership Assistance Program -

The VHCDC Home Ownership Assistance Program (the Program) is a comprehensive initiative to empower first-time homebuyers and help prior homeowners get a second chance at owning a home or condo.  The Program combines a rigorous twelve (12) hours of instruction with one-on-one credit counseling and pre-purchase advisory services, and exclusive access to a broad network of credentialed, experienced real estate professionals with the expertise and resources to make your transition from renter to homeowner seamless.

The decision to purchase a home is probably one of the most significant financial decisions you will make in your lifetime.  We believe it is not only important you understand the essential steps to achieving your dream, but that you are properly equipped with the tools, resources, and professional expertise to make it a realty.

The Program consists of four (4) components: education, credit and financial counseling, professional services, and post-closing financial assistance.

Education - Program participants will complete the VHCDC First-Time Home Buyers College or the VHCDC First-Time Home Buyers Class.  This twelve (12) hour, comprehensive course provides a thorough discussion of personal finance and budgeting, credit and collections, mortgage financing options, buyer disclosure requirements, down-payment assistance programs, conducting a housing search, negotiating with sellers, home inspections, contract essentials, home appraisals and assessments, property surveys, title options, insurance, common interest communities, and settlement. You are NOT required to enroll in the Home Ownership Assistance Program to particpate in our pre-purchase housing education/training.

Credit/Financial Counseling - Program participants will attend one-on-one counseling with a VHCDC Housing Counselor and meet as required with VHCDC Credit/Financial Counseling Service Partners. During this process, participants will develop a household budget, create a personal financial statement (PFS), secure their tri-bureau credit reports (Equifax, Experian, and TransUnion) and establish a plan to resolve any discrepancies and negative entries, and develop and implement a long-term savings and investment plan. You are NOT required to enroll in the Home Ownership Assistance Program to receive credit/financial counseling.

Professional Services - Program participants will select from and engage members of our network of real estate professionals to assist with conducting the housing search, negotiating with sellers, home inspections, property surveys, title insurance, homeowners insurance, closing/settlement, and more.  Each professional is an affiliate of VHCDC and selected for their dedication, experience, and expertise assisting first-time homebuyers. You are NOT required to enroll in the Home Ownership Assistance Program to use our network professionals. Click here for information about our network professionals.

Post-Closing Financial Assistance - Program participants may receive up to $2,500 post-closing to assist with moving expenses, utility deposits, home security, and minor home improvement costs.  Funds are solely to assist with relocation costs, not a cash payment to the home buyer(s). You ARE required to enroll and complete the pre-purchase housing education/training AND pre-purchase housing counseling to receive Post-Closing Financial Assistance.

The objectives of the VHCDC Home Ownership Assistance Program are to help you to become a homeowner, improve your household finances, and build wealth.  We bring together an army of professionals, tons of resources, and dedicated, caring individuals with one goal in mind – YOURS!.

Enrollment is easy, and it's FREE. Click here to get the Enrollment Agreement and get started. Click here to register to receive housing education/training and credit/financial counseling assistance.


Promote Home Ownership - Download our Home Ownership Program flyer and help us introduce home ownership in your community, church, or organization. Contact us today to schedule an event for your church or organization.

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