At a glance
From its website, read 2 Nov 2026Piedmont Housing Alliance is a loan fund based in Charlottesville, Virginia. Its website describes home mortgages. Where it lends: Albemarle, Greene, Fluvanna, Louisa and Nelson counties and the City of Charlottesville, Virginia.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (434) 817-2436 source |
|---|---|
| Website | www.piedmonthousingalliance.org |
| Office (official list) | 682 Berkmar Circle, Charlottesville, VA 22901 |
What their website says about applying
This is your first step to working with a Housing Counselor or Financial Coach. Once you complete the Information Form, you will be invited to attend our next client orientation.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Income limit applies
if your household income is below 80% of the Area Median Income.
source - First-time homebuyer program
The SPARC program provides customized loans for first-time homebuyers and allows us
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | 682 Berkmar Circle, Charlottesville, VA 22901 Directions (Google Maps) |
| Website | www.piedmonthousingalliance.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Only one lending page was fetched, and it states no loan amounts or online application for the lending programs. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | The SPARC program provides customized loans for first-time homebuyers and allows us to reduce mortgage interest rates by 1% for eligible individuals. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Albemarle, Greene, Fluvanna, Louisa and Nelson counties and the City of Charlottesville, Virginia
Virginia Housing allocated $18,000,000 to Piedmont Housing Alliance in order to create affordable housing opportunities throughout the counties of Albemarle, Greene, Fluvanna, Louisa, Nelson and the city of Charlottesville.
source
Counties this matches: Albemarle County, VA, Charlottesville City, VA, Fluvanna County, VA, Greene County, VA, Louisa County, VA, Nelson County, VA
Borrower focus
- First-time homebuyers
The SPARC program provides customized loans for first-time homebuyers and allows us to reduce mortgage interest rates by 1% for eligible individuals.
source - Low- and moderate-income / underserved
You may qualify for our down payment loan program if your household income is below 80% of the Area Median Income.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://piedmonthousingalliance.org/
- https://piedmonthousingalliance.org/education-and-resources/down-payment-loan-program/
- https://piedmonthousingalliance.org/housing/resident-services/
- https://piedmonthousingalliance.org/financial-opportunity-center/
- https://piedmonthousingalliance.org/housing/
- https://piedmonthousingalliance.org/financials/
- https://piedmonthousingalliance.org/housing/pay-rent/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$10.4 million in 8 awards from the U.S. Treasury's CDFI Fund, 1999–2023 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Capital Magnet Fund | $4,500,000 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $279,000 |
| 2021 | Capital Magnet Fund | $2,000,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2008 | CDFI Program, Financial Assistance | $1,073,985 |
| 2000 | CDFI Program, Financial Assistance | $550,000 |
| 1999 | CDFI Program, Technical Assistance | $50,100 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $42.2M |
|---|---|
| Total liabilities | $17.5M |
| Net assets | $24.7M |
| Total revenue | $5.9M |
| Notes and loans receivable, net (Part X line 7) | $12.4M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 52-1361731, filed as “PIEDMONT HOUSING ALLIANCE INCORPORATED”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $28.6M | $21.8M | $5.8M | $15.8M |
| Jun 2022 (990) | $40.2M | $24.2M | $6.5M | $9.8M |
| Jun 2023 (990) | $42.2M | $24.7M | $5.9M | $12.4M |
Total assets grew 48% from Jun 2021 to Jun 2023; notes and loans receivable fell 21%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $42.2M | Larger than 85% of the 13 other certified loan funds and venture funds in Virginia with a matched Form 990 (median $9.9M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Virginia | 13 | larger than 85% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Charlottesville and Virginia
- Community Investment CollaborativeLoan fund · Charlottesville, VAMicroloans, Small-business loansVerified
- Foodshed CapitalLoan fund · Charlottesville, VAAgriculture / farm loans, Small-business loansVerified
- Virginia Affordable Housing Loan FundLoan fund · Charlottesville, VAHome repair / improvement loans, Affordable housing development loansVerified
- Appalachian Community Capital CorporationLoan fund · Christiansburg, VAVerified
- Bridging Virginia IncLoan fund · Richmond, VASmall-business loansVerified
- Business Seed Capital, Inc.Loan fund · Roanoke, VASmall-dollar / emergency loansVerified
Work at Piedmont Housing Alliance? Link to this page
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