At a glance
From its website, read 2 Nov 2026Virginia Affordable Housing Loan Fund is a loan fund based in Charlottesville, Virginia. Its website describes home repair loans and affordable housing development loans.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.vahlf.org |
|---|---|
| Office (official list) | PO Box 4826, Charlottesville, VA 22905 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | in Chesterfield with 10-year, 4.5% interest loans. | source |
| Loans (general) | Rate stated, not as an APR: see their wording | at 7% interest (5 years), allowing affiliates | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | PO Box 4826, Charlottesville, VA 22905 |
| Website | www.vahlf.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 3 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. Loan amounts, terms for most products, and any online application route were not stated on the pages fetched; the Commonwealth is not named as a state in the evidence. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | — | Home Repair Micro-Loans | source |
| Affordable housing development loans | — | Construction and Bridge Loans to Affordable Housing Developers | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
VAHLF is committed to increasing affordable homeownership opportunities for low-income families across the Commonwealth.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - 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 repair loans?
Their website states a rate, but not as 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. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
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$70,000 in 1 award from the U.S. Treasury's CDFI Fund, 2002 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2002 | CDFI Program, Technical Assistance | $70,000 |
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 Dec 2023| Total assets | $404,314 |
|---|---|
| Total liabilities | $362,740 |
| Net assets | $41,574 |
| Total revenue | $31,853 |
End-of-year figures from the Form 990-EZ this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 31-1788400, filed as “VIRGINIA AFFORDABLE HOUSING LOAN FUND”), 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 filing shows no amount on the notes-and-loans line; a loan fund can report its loans on other balance-sheet lines, so this is not a loan figure. 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 |
|---|---|---|---|
| Dec 2021 (990-EZ) | $223,623 | -$1,224 | $5,787 |
| Dec 2022 (990-EZ) | $275,065 | $17,733 | $27,748 |
| Dec 2023 (990-EZ) | $404,314 | $41,574 | $31,853 |
Total assets grew 81% from Dec 2021 to Dec 2023. 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 | $404,314 | Larger than 0% of the 13 other certified loan funds and venture funds in Virginia with a matched Form 990 (median $11.1M). |
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 0% |
“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
- Piedmont Housing AllianceLoan fund · Charlottesville, VAHome mortgagesVerified
- 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 Virginia Affordable Housing Loan Fund? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.