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Loudoun County Affordable Dwelling Unit (ADU) Purchase Program

Loudoun County Department of Housing and Community Development · Loudoun County, Virginia

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Income limit

70% AMI

Of area median income; varies by county and household size

What is 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).

Do you have to pay it back?

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.

Who qualifies?

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Exception for a 'Displaced Homemaker' (divorced or widowed individual who gave up title) who may purchase without the three-year wait
  • The home is occupied as a primary residence
  • Residency: 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
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. 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).

The program excludes

  • Households above 70% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

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.

What kind of home can it be used for?

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

  • New construction is eligible.

Where does it apply?

Loudoun County Affordable Dwelling Unit (ADU) Purchase Program serves buyers purchasing in Loudoun County, Virginia.

  • The program targets specific areas: ADU communities throughout Loudoun County.

How do you apply?

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.

  1. Contact Loudoun County Department of Housing and Community Development to reserve funds

    Funds are reserved through Wait list with priority preference categories based on live/work status in Loudoun County; applications via Neighborly software, and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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