Atlantic Union Bank STAR Portfolio Loan Program
Atlantic Union Bank
Up to 100% financing with no mortgage insurance when paired with Closing the Gap
A portfolio first mortgage for an eligible low- or moderate-income buyer or property, offering no mortgage insurance and up to 100% combined financing with the bank’s Closing the Gap second lien.
Repayable loan
Locations listed in HomeBase: Virginia or District of Columbia or Maryland
This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.
How and when you repay
Who can apply
About you
- Minimum score is 620 generally and 660 for 100% financing.
- Minimum loan amount is $100,000 and maximum follows the applicable county conforming limit.
The home
- Income at or below 80% of the MSA median or property in a qualifying low-to-moderate-income tract.
- Owner-occupied primary residence; eligible single-family, agency-eligible condo or PUD.
The program makes the final eligibility decision.
Full requirements, documents, and history
Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history
Conditions
Meet the income-or-census-tract test, buy an eligible owner-occupied primary residence, meet credit and underwriting rules, contribute the lesser of $500 or 1% after permitted grants or gifts, and use the paired second lien for 100% financing.
Reader request
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Ask HomeBase to re-check Atlantic Union Bank STAR Portfolio Loan Program’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.
What can I combine this with?
Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.
Show what stacks with Atlantic Union Bank STAR Portfolio Loan Program(12 to check)
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Here’s the question to ask
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
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Here’s the question to ask
Hello — I'm a homebuyer looking at APG Federal Credit Union 80/20 Mortgage. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Clover Capital Community Hero’s Compassion Program. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Content changed at Baltimore City DHCD. Review for a new or updated program. Confidence: high.. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Content changed at CASH Campaign of Maryland. Review for a new or updated program. Confidence: high.. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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Here’s the question to ask
Hello — I'm a homebuyer looking at CrossCountry Mortgage CCM ZeroDown. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at DC Disabled Veterans Homestead Deduction. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at DCHA Housing Choice Voucher Homeownership Assistance Program. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at DCHFA DC4ME VA Loan Product. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Educational Systems FCU $2,500 Mortgage Closing-Cost Credit — 2026. Can it be used on the same purchase as Atlantic Union Bank STAR Portfolio Loan Program (Atlantic Union Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.
Check everything you’re bringing to closing — gifts, seller credits, employer help →