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F&M Bank

Mortgage Grants & Assistance

Extra support to help you get home.

Explore grant and assistance programs that may help reduce upfront homebuying costs.

Helping make homeownership more accessible.

Saving for a home can be one of the biggest hurdles in the buying process. Mortgage grant and assistance programs may help qualified homebuyers reduce out-of-pocket expenses like down payments and closing costs.

At F&M Mortgage, we work with trusted partners to connect eligible buyers with programs designed to support their path to homeownership.

  • May help reduce down payment and closing costs
  • Available through state and community programs
  • Designed to support eligible homebuyers
  • Guidance from local mortgage advisors throughout the process





Programs we work with.

We partner with established housing organizations to help connect clients with available grant opportunities. Each program has its own eligibility requirements, funding availability, and guidelines.

Virginia Housing Grants & Assistance

Virginia Housing offers a variety of programs designed to support homebuyers across the state, including down payment assistance and grant opportunities.
 

Federal Home Loan Bank (FHLB) Programs

Through the Federal Home Loan Bank, grant programs may be available to assist with affordable housing initiatives, including support for down payment and closing costs.
 
 






























A guided approach to finding the right program.

Navigating grant programs can feel overwhelming, but you don’t have to do it alone. Our team helps you understand your options and determine what programs you may be eligible for.

  • Step 1: Connect with a Mortgage Advisor
    Share your goals, financial situation, and homebuying timeline
  • Step 2: Explore available programs
    Review grant and assistance options that may align with your needs
  • Step 3: Apply and coordinate
    Work with your advisor to navigate application requirements and next steps
  • Step 4: Move forward with confidence
    Integrate eligible assistance into your home financing strateg


What to keep in mind.

Grant and assistance programs vary and are subject to specific guidelines.

  • Eligibility requirements may include income limits, location, or first-time homebuyer status
  • Funding availability may be limited and can change over time
  • Not all applicants will qualify for all programs
  • Additional terms and conditions may apply

Local guidance every step of the way.

At F&M Mortgage, we take a hands-on, consultative approach to helping you explore your options. Our team understands the local market and works with you to identify programs that may fit your situation—so you can move forward with clarity and confidence.





Mother and daughter checking height on door frame.



iOS and Android Users

Download the F&M Bank app on your mobile device.

Let’s explore your options together.

Every homebuyer’s situation is different. Connect with a Mortgage Advisor to learn more about available grant programs and how they may support your homebuying journey.