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The Arlington Homebuyers’ Assistance Program (AHAP) provides down payment and closing cost assistance to low income, first-time homebuyers. Assistance is provided in the form of a forgivable loan of up to $7,500 for down payment and closing cost assistance. For properties located in a revitalization area (NRSA map) and households with a disabled member, a forgivable loan of up to $10,000 in assistance is available. The loan is 0% interest and is payable only if you sell, refinance with cash-out, or lease your home during the first five years after buying your home.

Criteria for Eligibility

The buyer must be a first-time homebuyer, or be from a federally declared disaster area.

The total projected gross household income for the next 12 months must not be higher than the “Low Income” level of HUD Income Limits.

The homeowner must have less than $15,000 in liquid assets.

The homebuyer must contribute a minimum of $1,000 towards the purchase.

The homebuyer must qualify for a conventional, FHA, or VA mortgage loan with a private lender or mortgage broker.

The home being purchased must meet minimum housing standards (AHAP Inspection guide)

The home being purchased must be the buyer’s principal place of residence and must be located in Arlington.

The homebuyer must attend a HUD approved homeownership training class.