Fairfax County Down Payment Loan
Shared-appreciation loan · New construction · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Down payment assistance · Virginia
Buying a home in Fairfax County, VA
3 county-wide programs, plus 6 statewide and 62 nationwide.Fairfax has 3 programs that cover the whole county. On top of those, 6 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in FairfaxAnywhere in Fairfax County
3 programs for every Fairfax address3 programs that cover every Fairfax address
All 3 ask for a homebuyer class.These are run for the whole county, so a home in Fairfax, Falls Church or Centreville can use them. All 3 ask for a homebuyer class.
Fairfax County Homeownership Program
Forgivable loan · Forgiven over 15 yrs · Income limit 100% of AMI
Condo, Townhouse, Single Family
See details Jul 2026
Fairfax County Workforce Dwelling Unit (WDU) Homebuyer Program
Down-payment assistance · New construction · Income limit 120% of AMI
Townhouse, Condo
See details Jul 2026
AMI is HUD’s area median income for Fairfax, adjusted for household size. Each program publishes its own dollar limits.
The Fairfax marketThe Fairfax housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Fairfax
- 45.5% single-familysingle-family
- 22.7% townhousetownhouse
- 2.2% 2–4 units2–4 units
- 29% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. All 3 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fairfax’s homes were built
pre-19401970s2020+
43.6%
of Fairfax homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$166,100
HUD area median income, 4 people (FY2026)HUD area median income, Fairfax County, 4-person household (FY2026)
$153,637
Median household income (ACS 2024 5-year)Median household income in Fairfax (Census ACS 2024 5-year)
68.6%
of occupied homes are owner-occupied (Virginia: 67.3%)
The two income figures measure different things. HUD’s area median income is the one programs use. 15 of the 71 programs here set their income limit as a share of Fairfax County’s area median income, adjusted for household size. See the published limits for Fairfax County
Free help in FairfaxFree help in Fairfax
5 HUD-approved counseling agencies with an office in the county5 HUD-approved housing counseling agencies with an office in Fairfax County
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Fairfax County.
52 cities and placesA to Z
All cities in Fairfax CountyAll 52 cities and places in Fairfax County
has a program of its own
- Annandale
- Baileys Crossroads
- Belle Haven
- Burke
- Centreville
- Chantilly
- Dranesville
- Dunn Loring
- Fairfax
- Fairfax Station
- Falls Church
- Floris
- Fort Belvoir
- Fort Hunt
- Franconia
- Great Falls
- Greenbriar
- Groveton
- Hayfield
- Herndon
- Huntington
- Hybla Valley
- Idylwood
- Kings Park
- Kings Park West
- Lake Barcroft
- Laurel Hill
- Lincolnia
- Lorton
- Mantua
- McLean
- Merrifield
- Mount Vernon
- Newington
- North Springfield
- Oak Hill
- Oakton
- Occoquan
- Pimmit Hills
- Ravensworth
- Reston
- Rose Hill
- Seven Corners
- Springfield
- Tysons Corner
- Vienna
- West Falls Church
- West Springfield
- Wolf Trap
- Woodburn
- Woodlawn
- Yorkshire
Fairfax questions
Can I use a county program anywhere in Fairfax?
The 3 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Fairfax County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Fairfax programs accept condos?
All 3 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Fairfax?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies have an office in Fairfax County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.