Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Virginia program

Moderate-Income Purchase Assistance Program (MIPAP)

Virginia route through Arlington County. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Check official rules 2026-04-19
Agency Arlington County
Support type Deferred second mortgage
Amount highlight The official Arlington County page says MIPAP provides a deferred-payment, no-interest second loan of up to 25% of the purchase price, with a maximum loan amount of $112,500.
Last verified 2026-04-19

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Virginia program hub if you need the wider state context.

Amount

The official Arlington County page says MIPAP provides a deferred-payment, no-interest second loan of up to 25% of the purchase price, with a maximum loan amount of $112,500.

Type

Deferred second mortgage

Repayment

The official Arlington County page says there are no interest charges or monthly payments. When the buyer sells or refinances, the County is owed the original loan amount plus a proportionate share of net appreciation, capped at 25% of the appreciation amount.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First-time homebuyers purchasing in Arlington County, Moderate-income Arlington County buyers

What support do you get?

The official Arlington County page says MIPAP provides a deferred-payment, no-interest second loan of up to 25% of the purchase price, with a maximum loan amount of $112,500.

Do you repay it?

The official Arlington County page says there are no interest charges or monthly payments. When the buyer sells or refinances, the County is owed the original loan amount plus a proportionate share of net appreciation, capped at 25% of the appreciation amount.

How do you apply?

Use a Virginia Housing approved lender for the required conventional first mortgage, confirm current Arlington income and purchase-price limits, and work through Arlington County homeownership staff to complete the MIPAP underwriting process for an Arlington purchase.

Official source evidence

The official Arlington County page says MIPAP is OPEN, serves eligible first-time homebuyers purchasing in Arlington County, and offers a no-interest second mortgage of up to 25 percent of purchase price with a maximum loan amount of $112,500. The same page says repayment is deferred until sale or refinance and uses a shared-appreciation structure.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for Moderate-Income Purchase Assistance Program (MIPAP)

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

Moderate-Income Purchase Assistance Program (MIPAP)

Amount: The official Arlington County page says MIPAP provides a deferred-payment, no-interest second loan of up to 25% of the purchase price, with a maximum loan amount of $112,500.

Repayment: The official Arlington County page says there are no interest charges or monthly payments. When the buyer sells or refinances, the County is owed the original loan amount plus a proportionate share of net appreciation, capped at 25% of the appreciation amount.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Moderate-Income Purchase Assistance Program (MIPAP) requires a participating lender.
  • Moderate-Income Purchase Assistance Program (MIPAP) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Moderate-Income Purchase Assistance Program (MIPAP) for this household and loan setup?
  • Which events trigger repayment for Moderate-Income Purchase Assistance Program (MIPAP): refinance?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Program page for Moderate-Income Purchase Assistance Program (MIPAP)
Open the full Virginia board

Paid research preview

What paid research already covers in Virginia

Paid research already tracks city and county programs, employer-assisted paths for Virginia.

2 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

Open the full Virginia board

Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

Save and compare

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Full state board

See what this should be compared against

2 tracked deeper leads sit behind the full Virginia board around this program.

Open the full Virginia board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer