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VDOT New-Cumberland divides the state into nine districts, each of which oversees maintenance and construction on the statemaintained. Mortgage s Down Payment Assistance First Time. Mortgage s has a Gloucester-Point first time home buyer program, that offers a down payment resource and closing cost assitance, up to Chino-Hills 50% of your loan could be interest free. Donate Families Forward Why give? Families Forward is a nonprofit agency that depends upon the support of the community to provide homeless families or families at risk of homelessness with.