Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)
Forgivable loan · Forgiven over 15 yrs · Income limits
Down payment assistance · Loudoun County
Buying a home in Lowes Island, VA
7 county programs and 8 statewide.Lowes Island has no program of its own, 7 across Loudoun County, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Lowes Island
No program of Lowes Island’s own yet
No program run for Lowes Island alone is listed. A home in Lowes Island can use Loudoun County’s programs below, plus the Virginia statewide and federal ones.
The closest city that runs its own program is Fairfax, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in LoudounAnywhere in Loudoun County
7 county programs7 county programs a Lowes Island homebuyer can use
- Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)Up to $70,000
- Loudoun County Public Employee Homeownership Grant Program (PEG)Up to $25,000
- Down Payment / Closing Cost Assistance Program Plus (DPCC Plus)Deferred
- Down Payment/Closing Cost Assistance Program (DPCC)Deferred
- Loudoun County Affordable Dwelling Unit (ADU) Purchase ProgramAssistance available
- Loudoun County Affordable Market Purchase Program (AMPP)Assistance available
- Public Employee Homeownership Grant Program (PEG)Deferred
The Lowes Island marketThe Lowes Island housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lowes Island
- 56.7% single-familysingle-family
- 40.8% townhousetownhouse
- 0% 2–4 units2–4 units
- 2.5% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lowes Island’s homes were built
pre-19401970s2020+
3.1%
of Lowes Island 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
County area median income, 4 people (HUD)HUD area median income, Loudoun County, 4-person household (2026)
$220,833
Lowes Island median household incomeMedian household income in Lowes Island (Census, 2024)
21 of the 77 programs here set their income limit as a share of Loudoun County’s area median income, adjusted for household size. See the published limits for Loudoun County
Free help nearbyFree help near Lowes Island
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.5 of the 7 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.
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Across Virginia and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
- Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance ProgramUp to $40,000 · Deferred second loan
- HOMEownership Down Payment Assistance Program (VHCDC)Up to $25,000 · Forgivable loan
- Virginia Individual Development Account (VIDA) Program (VHCDC)Up to $10,000 · Down-payment assistance
Lowes Island questions
Does Lowes Island have its own down payment program?
No program run for Lowes Island alone is listed. A home in Lowes Island can use the 7 programs that cover Loudoun County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Lowes Island?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Loudoun County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Loudoun County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Lowes Island?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Lowes Island. Create a free account and take the 90-second match to see the ones near you.
Nearby in Loudoun
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.