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MIPAP is OPEN to eligible first-time homebuyers purchasing in Arlington County.
For first-time buyers purchasing a home in Arlington, this program provides a deferred-payment, no-interest loan of up to 25% of the home purchase price. The loan may be used to cover a portion of the down payment and all closing costs. The MIPAP loan acts as a 2nd Mortgage. The 1st Mortgage must be a conventional loan from a lender approved by VHDA (Virginia Housing Development Authority).
MIPAP uses a shared appreciation model, which means there are no interest or monthly loan payments over the course of the loan. Instead, when a homebuyer chooses to sell or refinance the property, an appraisal of the property will be done to determine if the property has increased in value. If the property value has increased, the homebuyer would owe the County the original loan amount plus a proportionate share of the net appreciation (up to 25%).
2022 MIPAP and Affordable Dwelling Unit (ADU) Income Limits
*Limits reflect gross total of all household income sources. Income limits are published (normally within the month of April) annually by the Department of Housing and Urban Development (HUD) and are effective immediately upon publication.
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