Home Ownership

The Housing Division provides programs and services to turn the dream of home ownership into a reality for Arlington residents with low to moderate incomes. The County reserves $2.4 million in funds to support qualified buyers. These Housing programs can help first-time homebuyers plan, purchase and maintain a new home. Download the Homebuyer Information Packet (available en Español) and find all the information you need to get started on the path to home ownership.

Opportunities for Home Buyers

Classes and Resources

We sponsor free home-ownership classes and events for first-time buyers. Learn more about the home-ownership workshop required for participation in the County’s first-time homebuyer programs.

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Low-Interest Mortgage Program

This program provides an opportunity for first-time homebuyers with low to moderate incomes to purchase in Arlington, by providing below-market-rate mortgages with as little as 1% down. Since 2005, the program has helped more than 280 families purchase their first homes in Arlington.

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Moderate Income Purchase Assistance Program (MIPAP)

This program helps first-time homebuyers purchase in Arlington by providing a deferred-payment, zero-interest second trust mortgage of up to 25% of the home purchase price. Funding for the program is allocated by lottery. Find out about income requirements, maximum loan amounts and repayment terms.

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VHDA-FHA Plus Mortgage Program

This program offers eligible buyers a VHDA-financed and FHA-insured home loan, as well as a second mortgage of up to 5% of the purchase price to help cover down payment and closing costs. The loan limit is $450,000, and buyers must contribute 1% of the purchase price from their own funds. First-time buyers also receive below-market-rate mortgages from VHDA.

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Real Estate Tax Relief Program

The County’s Real Estate Tax Relief Program provides an exemption and/or deferral of real estate taxes for eligible Arlington homeowners who are age 65 and older, or totally and permanently disabled.

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Live Near Your Work Program

Arlington County and Public School employees who purchase a home in Arlington may also qualify for a forgivable loan of up to $5,200 through the County’s Live Near Your Work Program. Employees should contact their Human Resources representative for eligibility and enrollment requirements.

Foreclosure

Prevention Steps and Counseling

Free counseling and other services are available to help homeowners avoid foreclosure and stay in their homes. Legal services, tax relief and other financial assistance programs are available to eligible homeowners, as well as assistance with food and other basic needs during times of financial hardship.

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Home Improvement

Home Improvement Program (HIP)

Technical and financial assistance is available to help homeowners complete repairs, renovation and safety and energy-efficiency improvements. A partnership between the Housing Division and AHC, Inc., this program provides low-interest loans and grants for people with low to moderate incomes.

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Rebuilding Together

Rebuilding Together assists income-eligible homeowners with home maintenance and repair. The program brings volunteers, communities and resources together to repair and rehabilitate homes free of cost for those in need, including the elderly, persons with disabilities, military veterans and families with children.

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Natural Disaster Home Repairs

If your property sustained major damage from a storm or other natural disaster, and a permit may be required for repairs, request an inspection by calling 703-228-3800. County inspectors can assess structural damages to the property, as well as damages to electrical, gas, plumbing and HVAC systems.

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