Your local starting points
Property research and financing
Build your Virginia home financing plan
A Virginia home search benefits from identifying the responsible city or county before collecting tax and property records. Build your budget from that property’s information, insurance quotes and any association charges, then compare the loan itself on consistent assumptions. Virginia Housing can help you begin education and assistance research. Homeowners considering a refinance should also check the documents for any earlier assistance so the new quote accounts for obligations beyond the current first mortgage.
Research assistance through the official provider
Virginia Housing offers homebuyer education and information about loans and assistance. Use its resources to identify questions for a participating lender, including current eligibility and how each assistance option affects your obligations. Confirm the provider and lender before sharing financial documents. These links do not establish TMP participation.
Use the local guide for an address-based starting point
Our Richmond guide explains how to find city assessment records and distinguish the city’s jurisdiction from a Richmond mailing address. For a property elsewhere in Virginia, locate the corresponding local office instead. Keep the parcel identifier and unresolved property questions with your mortgage documents.
Compare the whole financing decision
For a purchase, compare cash to close, monthly costs and reserves using consistent assumptions. For a refinance, ask for the new balance, costs, term and the time needed to recover costs through any savings. Review additional loans or assistance obligations before assuming the first-mortgage payoff is the entire amount due.
Questions to resolve in Virginia
Where can I begin researching Virginia homebuyer support?
Virginia Housing offers homebuyer education and information about loans and assistance. Use its resources to identify questions for a participating lender, including current eligibility and how each assistance option affects your obligations. Confirm the current terms with the provider; TMP participation and borrower eligibility are not established by this guide.
Can the Richmond property tools be used for every Virginia home?
No. The local guide identifies the jurisdiction its resources cover. For a home elsewhere, use the office responsible for that parcel and ask it to clarify tax, property or permit records. A statewide service area is not a single records system.
What should I bring if I am refinancing rather than buying?
Bring the current mortgage statement, remaining term, escrow information and documents for any additional financing or assistance. Explain your goal and expected ownership period. Compare keeping your existing loan with the new balance, costs and repayment period of the proposed refinance.