From this site you will find information, required program forms and a secure document delivery process.
Important Information for Lenders:
For certain developments, some units include an affordability subsidy to benefit an eligible buyer. When an affordability subsidy applies, the subsidy must be used for down payment. For a list of currently available units with an affordability subsidy, see the MIHDP Homes for Sale webpage. Affordability subsidy amounts do vary. The lender is responsible for verifying that MIHDP is an eligible community second. For information on program restrictions per the MIHDP Mortgage Deed or MIHDP Covenant, contact VHFA's Compliance Department.
Compliance Requirements and Process:
All buyers purchasing a property in a project that has benefitted from MIHDP must meet all compliance requirements of the program as outlined in the MIHDP Guide. If the buyer(s) is also applying for a VHFA Homeownership Program, all requirements for that program must also be met.
Program Information:
MIHDP Program Guide (rev. 2025/08)
Detailed information for program eligibility, compliance and closing.
Required Documents:
Download program documents required to be completed at application. These fillable forms must be downloaded and opened in Adobe for proper completion.
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MIHDP Compliance Checklist (rev. 2025/08)
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MIHDP Compliance Affidavit (rev. 2025/08)
Complete Section 4C and 5B with the income limit and available subsidy. For this information go to the MIHDP Homes for Sale webpage.
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MIHDP Compliance Income Worksheet (rev. 2025/08)
All income must be included.
If Applicable:
Compliance Review:
VHFA will review all documents to determine buyer(s) eligibility and email the applicable response based on our findings.
- Notice of Incomplete: insufficient information received to determine eligibility. Deficiencies listed.
- MIHDP Conditional Commitment: Eligibility confirmed. Closing responsibilities outlined.
Pre-Closing Requirements and Process:
Once VHFA has issued Conditional Commitment, download the Closing Information form below, complete the form, and return to VHFA no later than five (5) business days prior to the scheduled closing.
Closing Information Form (rev. 2025/05)
FHA Loan Acknowledgement & Award (rev. 2025/05)
For an FHA First Mortgage the below form is applicable.
VHFA Responsibility:
VHFA is responsible for delivering the MIHDP documents and Affordability Subsidy amount, if applicable, and closing agent instructions to the closing. The closing agent is instructed to return MIHDP documents to VHFA immediately after closing.
Compliance Document Submission:
Documents must be submitted via the VHFA secure delivery system below. Enter all information as required below and upload the completed documents below:
- MIHDP Compliance Checklist
- MIHDP fully completed Compliance Affidavit
- MIHDP fully completed Compliance Income Worksheet w/all supporting documents
- Uniform Residential Loan Application
- Fully executed Purchase and Sales Agreement with all addendums and attachment
- Appraisal Report
- If applicable, Borrower Affidavit for Separated Spouse
Contact and Property Information
Questions about the Income Verification process?
Questions about the MIHDP Program?
Eligible properties, limits, buyer subsidy amounts