Your Virginia Housing Plus Second journey - from eligibility check to keys in hand
The Virginia Housing Plus Second Mortgage
Follow the numbered path from where you are today to closing with your required down payment covered by the Plus Second. Climb the ladders (moves that speed you up) and steer clear of the chutes (missteps that set you back). Per Virginia Housing guidelines rev May 2026; income limits eff Aug 1, 2026; programs subject to change.
Scan to find where you are
Open the interactive roadmap on your phone: tap where you are today and see your next moves, the missteps to avoid, and your free personalized Plus Second analysis.
{{event.ctaUrl}}
{{compliance.pendingLabel}}
Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}).
Program facts per Virginia Housing guidelines rev May 2026; income and price limits effective August 1, 2026; programs subject to change without notice.
Virginia Housing is not affiliated with CrossCountry Mortgage, LLC. CrossCountry Mortgage, LLC is an approved Virginia Housing lender and is not affiliated with Virginia Housing; Virginia Housing is a state agency and does not endorse any particular lender.
Program funds are subject to availability. The Plus Second is an amortizing second mortgage with a monthly payment; it is not a grant, forgivable loan, or deferred second; it cannot be combined with Virginia Housing DPA or CCA grants.
All loans subject to credit approval, underwriting, and program eligibility; not all applicants will qualify.
This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals. NMLS Consumer Access: www.nmlsconsumeraccess.org.