Loudoun County Affordable Dwelling Unit (ADU) Purchase Program

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program is down payment assistance for homebuyers in Loudoun County, Virginia, administered by Loudoun County Department of Housing and Community Development. The Loudoun County ADU Purchase Program enables eligible first-time homebuyers with moderate income (30%-70% AMI) to purchase a newly constructed or resale ADU townhouse or condominium at a price substantially below market. Buyers are placed on a wait list by priority preference based on whether they live and/or work in Loudoun County; current Priority 1 wait time is approximately three to four years. Resale prices and covenants are governed by Chapter 1450 of the Loudoun County ordinance. Purchase price substantially below market. For-sale ADU townhomes and condos countywide. Displaced homemaker exception to first-time-buyer rule. Funding comes from Loudoun County inclusionary zoning (Chapter 1450 of the Codified Ordinance of Loudoun County).

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program is down payment assistance and is repaid under the terms set by Loudoun County Department of Housing and Community Development. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Exception for a 'Displaced Homemaker' (divorced or widowed individual who gave up title) who may purchase without the three-year wait. Residency requirement: Applicants must live and/or work in Loudoun County at least 6 months prior to application (affects priority category). Citizenship or immigration status: All household members must provide identification; applicant and co-applicant must be over age 18. Applicants must complete a self-screening questionnaire and submit an online application via Neighborly plus a hard-copy packet within 10 days. Income from full-time-student dependents (18+) is excluded. Priority 1 wait time approximately 3-4 years. GAP: no fixed dollar DPA amount (price-restricted purchase model).

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program limits household income to 70% of the area median income, which varies by county and household size. 30%-70% of Washington MSA AMI (AMI $163,900 effective 4/1/2025). 70% limits: 1p $80,350; 2p $91,800; 3p $103,300; 4p $114,750; 5p $123,950; 6p $133,150; 7p $142,300; 8p $151,500. Minimum 30%: 4p $49,200. The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 8. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program can be used for Townhouse and Condo. New construction is eligible.

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program serves homebuyers purchasing in Loudoun County, Virginia. The program targets specific areas: ADU communities throughout Loudoun County.

Applications for Loudoun County Affordable Dwelling Unit (ADU) Purchase Program go through Loudoun County Department of Housing and Community Development, which publishes the current terms and the application steps on its own site. Funds are reserved through Wait list with priority preference categories based on live/work status in Loudoun County; applications via Neighborly software. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.