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Fairfax County First-Time Homebuyers Program: Buy a new or resale home at a below-market price through the county Affordable Dwelling Unit program; homes are priced from about $95,000 to the low $200,000s. | HomeBase
From Fairfax County Department of Housing and Community Development
Key requirements to check
Must not have owned a home in the past 3 years.
Household income up to 70% of area median income, with a minimum of $25,000.
Other requirements and exceptions still need checking below.
Program maximum, not a promised award
Below-market home price
Buy a new or resale home at a below-market price through the county Affordable Dwelling Unit program; homes are priced from about $95,000 to the low $200,000s.
Shared equity
Coverage not confirmed
Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.
Check current funding before making plans.
A participating provider can confirm availability. No funds are reserved here.
Funding open at last check
Confirm the current terms and whether applications are being accepted.
See which household details and program rules still need checking. No account needed.
Sign in or create an account to compare this program with your saved profile.
Location rule and boundary evidence
Where the reviewed rules apply
No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.
No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.
What would paying it back look like?
There's nothing to repay — you buy the home at a below-market price. The trade-off: for the first 30 years, if you sell, the resale price is set by the program so the home stays affordable for the next buyer.
These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.
Could this be a fit for me?
Start with the recorded requirements. Unknown information stays unknown; the program makes the final decision.
A program-specific household income table has not been confirmed here. Do not assume that there is no income limit.
Who can apply
About you
Household income up to 70% of area median income, with a minimum of $25,000.
Credit score of at least 620 and able to qualify for a mortgage.
Complete a Virginia Housing homebuyer education course.
Resale is price-controlled by the program for the first 30 years of ownership.
Documents listed in the current application packet
What can I combine this with?
Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.
Review possible combinations with Fairfax County First-Time Homebuyers Program(12 to check)
Worth asking about(12)
No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.
A true down payment grant with no repayment, paired with an eligible Virginia Housing first mortgage.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Works only if the FTHB unit is financed with an eligible Virginia Housing first mortgage (e.g., the FCRHA-sponsored SPARC loans Fairfax arranges for FTHB buyers) and the buyer meets DPA Grant income, sales-price, and first-time-buyer limits. (Per Virginia Housing — DPA Grant Program Guidelines (Last Revised March 2026): "Yes, the DPA Grant can be used when SPARC is being used for the eligible first mortgage in accordance with SPARC guidelines.")
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:fairfax-county-first-time-homebuyers+virginia-housing-down-payment-assistance-grant
Here’s the question to ask →
Hello — I'm a homebuyer looking at Virginia Housing Down Payment Assistance Grant.
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards.
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
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 Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A zero-interest, deferred-payment down-payment loan for eligible first-time buyers purchasing in Albemarle County.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Albemarle County Homebuyer Assistance Program (ACHAP).
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
$15,000 up to 80% AMI; $11,500 at 80%-120% AMI; $7,500 above 120% AMI, subject to current limits.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Alexandria Employee Homeownership Incentive Program.
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage.
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant.
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Eligible first-time buyers can finance 100% of an eligible primary-home purchase with an 80% first mortgage and 20% piggyback second mortgage, avoiding a cash down payment and PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
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 Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Nonprofit loan packaging for USDA 502 Direct financing and access to a one-percentage-point SPARC mortgage-rate reduction.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at AppCAA First-Time Homebuyer Loan and SPARC Program.
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A low- or no-down-payment first-time-buyer mortgage with up to 100% combined loan-to-value and reduced PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage.
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
An open Arlington deferred second mortgage of up to 25% of the purchase price or $112,500 for down payment and closing costs, with shared appreciation at repayment.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Arlington County Moderate-Income Purchase Assistance Program (MIPAP).
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
An open 30-year, no-interest second mortgage of up to $112,500 for an eligible first-time Arlington buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Arlington Moderate-Income Purchase Assistance Program (MIPAP).
Can it be used on the same purchase as Fairfax County First-Time Homebuyers Program (Fairfax County Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
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?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.
Ask HomeBase to re-check Fairfax County First-Time Homebuyers Program’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.
Questions and answers
Do you pay Fairfax County First-Time Homebuyers Program back?
There's nothing to repay — you buy the home at a below-market price. The trade-off: for the first 30 years, if you sell, the resale price is set by the program so the home stays affordable for the next buyer.
How much does Fairfax County First-Time Homebuyers Program provide?
Buy a new or resale home at a below-market price through the county Affordable Dwelling Unit program; homes are priced from about $95,000 to the low $200,000s.
Who qualifies for Fairfax County First-Time Homebuyers Program?
Must not have owned a home in the past 3 years.; Household income up to 70% of area median income, with a minimum of $25,000.; Credit score of at least 620 and able to qualify for a mortgage.; Complete a Virginia Housing homebuyer education course.; Resale is price-controlled by the program for the first 30 years of ownership..
Sources
Learn more at source — Fairfax County Department of Housing and Community Development (Program administrator), captured August 1, 2026, checked August 1, 2026
Learn more at source — Fairfax County Department of Housing and Community Development (Program administrator), captured July 30, 2026, checked July 30, 2026
Learn more at source — Virginia Housing — DPA Grant Program Guidelines (Last Revised March 2026) (Program administrator), captured October 24, 2026, checked October 24, 2026
Learn more at source — Fairfax County Department of Housing and Community Development (Program administrator), captured July 12, 2026, checked August 18, 2026
