See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 28, 2026
Homebuyer Programs in Centreville, VA (2026)
Centreville is a census-designated place in western Fairfax County, Virginia, about 25 miles west of Washington, D.C., known for its family-friendly neighborhoods and proximity to major employers along the Dulles Corridor. With a median home price around $620,000, affordability is a real challenge, but Fairfax County offers several programs to help. The Fairfax County First-Time Homebuyers (FTHB) Program sells homes at dramatically below-market prices starting around $95,000 to the low $200,000s, and the Workforce Dwelling Unit (WDU) Program offers homes from $200,000 to the high $400,000s. Buyers in the FTHB Program may also qualify for up to $10,000 in CDBG down payment assistance. When combined with state programs like the Virginia Housing Down Payment Assistance Grant (2-2.5% of the purchase price) and the DHCD HOMEownership DPA (up to $40,000), Centreville buyers can significantly reduce their upfront costs.
County Programs in Fairfax County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Fairfax County CDBG Down Payment Assistance Program | Forgivable Loan | Up to $10,000 | Yes | View → |
| Fairfax County First-Time Homebuyers (FTHB) Program | Grant | Below-market purchase price on a resale-restricted Affordable Dwelling Unit (not cash); county listings posted October 2026 ranged from $174,395 to $289,300, and the FY 2025 average sale price was $260,863 | Yes | View → |
| Fairfax County Workforce Dwelling Unit (WDU) Homebuyer Program | Grant | Below-market purchase price set by the unit's AMI tier (not negotiable); recent county listings ranged from $186,600 to $538,050 | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Below-market purchase price on a resale-restricted Affordable Dwelling Unit (not cash); county listings posted October 2026 ranged from $174,395 to $289,300, and the FY 2025 average sale price was $260,863
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Below-market purchase price set by the unit's AMI tier (not negotiable); recent county listings ranged from $186,600 to $538,050
- First-time only:
- No
State Programs in Virginia
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| DHCD HOMEownership Down Payment Assistance Program | Deferred Loan | Up to 10% to 15% of the sales price plus up to $2,500 for closing costs. Maximum assistance of $40,000. | Yes | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Grant | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Virginia Down Payment Assistance Pilot Program | Deferred Loan | Up to $50,000 | Yes | View → |
| Virginia Housing Closing Cost Assistance Grant | Grant | Up to 2% of the purchase price | Yes | View → |
| Virginia Housing Down Payment Assistance Grant | Grant | 2.5% (FHA Bond) or 2% (Conventional Bond) of the lesser of sales price or appraised value; down payment only | Yes | View → |
| Virginia Housing SPARC Program | Zero-Interest Loan | 1 percentage point reduction on Virginia Housing first mortgage interest rate | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to 10% to 15% of the sales price plus up to $2,500 for closing costs. Maximum assistance of $40,000.
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $50,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to 2% of the purchase price
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- 2.5% (FHA Bond) or 2% (Conventional Bond) of the lesser of sales price or appraised value; down payment only
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- 1 percentage point reduction on Virginia Housing first mortgage interest rate
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of DC and Northern Virginia Homebuyer Program | Zero-Interest Loan | Affordable, no-profit home purchase price with affordable mortgage payments | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable, no-profit home purchase price with affordable mortgage payments
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The Fairfax County FTHB Program requires household income up to 70% of AMI with a minimum of $25,000 annually. The WDU Program covers 70% to 100% of AMI. Both require a credit score of at least 620.
Step 2: Attend a Homeownership Orientation. This free session introduces all Fairfax County homebuyer programs and is the first step in the application process. Contact homeownership@fairfaxcounty.gov or call 703-246-5087 to register.
Step 3: Complete homebuyer education. A free Virginia Housing pre-purchase homebuyer education course is required. Cornerstones also offers free First-Time Homebuyer Classes monthly in English and Spanish. Contact Cornerstones at 571-323-1439.
Step 4: Get pre-approved for a mortgage. Work with a Virginia Housing-approved lender. The Virginia Housing SPARC program may offer a 1% interest rate reduction when funding is available.
Step 5: Complete the application process. For the FTHB and WDU programs, follow the 5-step process to receive your Passport to Homeownership. Homes are allocated through drawings.
Step 6: Apply for additional assistance. Once approved for a county program, ask about the CDBG Down Payment Assistance (up to $10,000) and state-level DPA programs to further reduce your costs.
Frequently Asked Questions
How much down payment assistance can I get in Centreville?+−
Do I have to be a first-time homebuyer to qualify?+−
What are the below-market home prices in Fairfax County programs?+−
What homebuyer education is required?+−
What is the maximum income to qualify for Centreville homebuyer programs?+−
How long does it take to buy a home through Fairfax County programs?+−
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