Fairfax County Down Payment Loan
Shared-appreciation loan · New construction · Income limits
Down payment assistance · Fairfax County
Buying a home in Oakton, VA
3 county programs and 8 statewide.Oakton has no program of its own, 3 across Fairfax 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 Oakton
No program of Oakton’s own yet
No program run for Oakton alone is listed. A home in Oakton can use Fairfax County’s programs below, plus the Virginia statewide and federal ones.
The closest city that runs its own program is Fairfax, about 2 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in FairfaxAnywhere in Fairfax County
3 county programs3 county programs a Oakton homebuyer can use
The Oakton marketThe Oakton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oakton
- 35% single-familysingle-family
- 28% townhousetownhouse
- 1.5% 2–4 units2–4 units
- 35.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. All 3 of Oakton’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oakton’s homes were built
pre-19401970s2020+
43.3%
of Oakton 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, Fairfax County, 4-person household (2026)
$160,663
Oakton median household incomeMedian household income in Oakton (Census, 2024)
17 of the 73 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 nearbyFree help near Oakton
17 HUD-approved counseling agencies within 15 miles17 HUD-approved housing counseling agencies within 15 miles
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.
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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
Oakton questions
Does Oakton have its own down payment program?
No program run for Oakton alone is listed. A home in Oakton can use the 3 programs that cover Fairfax County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oakton?
All 3 of Oakton’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Fairfax County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Fairfax 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 Oakton?
HUD-approved housing counseling agencies teach homebuyer classes, and 17 agencies are within 15 miles of Oakton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
22124
Nearby in Fairfax
Sources
Sources: agency sites (June–July 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–July 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.