Moderate-Income Purchase Assistance Program (MIPAP)

Notice: The MIPAP program is NOT accepting applications at this time. 

For first-time buyers (see definition of "first-time homebuyer" under Eligibility Criteria) 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 will 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%).

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.