County Offers Homebuyer Assistance Programs

The county government offers two homeownership loan programs to assist buyers with down payments and closing costs when purchasing a home in the county.

The Down Payment/Closing Costs Assistance Program offers eligible borrowers the opportunity to borrow up to $25,000 or 10 percent of the home sale price—whichever is less—to be used for closing costs and/or down payment toward the purchase of a home. The program is for first-time homebuyers or applicants who have not owned property within the last three years. It offers thirty-year loans in the form of a second mortgage at five percent interest, low monthly payments, and with no pre-payment penalty.

The Public Employee Homeownership Grant Program offers employees of Loudoun County Government, Loudoun County Public Schools, and courts and constitutional officers the opportunity to apply for a $10,000 forgivable loan to be used for closing costs and/or down payment toward the purchase of a home in Loudoun County. The program is open to employees who have not resided in Loudoun County for the past 12 months or are first-time homebuyers. Loans are 100 percent forgivable for program participants who maintain qualifying employment and live in the home as their primary residence for a period of five years.

That program offers five-year loans in the form of a second mortgage with 0 percent interest and no monthly payments.

Program applicants must have an annual gross household income of at least $33,100 and not more than $77,250 to participate in Loudoun County’s homebuyer assistance programs. Income limits do not adjust according to family size.

Program assistance is subject to availability and approval. For full program information and eligibility requirements, go to or contact Stacey Pierre-Louis at or 703-777-0353.

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