FHA Plus

State program

Review VHDA lenders

at NerdWallet

Best for

Government-backed loans

What you need to know

FHA-backed loans are the go-to mortgage program for first-time home buyers. It seems VHDA has made them even better with this program. Rather than the standard 3.5% FHA down payment, a built-in second mortgage allows up to 100% financing. While a minimum 620 credit score is required, a higher score