Moderate-Income Purchase Assistance Program (MIPAP) (VA): Amount, Requirements & How to Apply

Moderate-Income Purchase Assistance Program (MIPAP)

Quick answer

Moderate-Income Purchase Assistance Program (MIPAP) is a Virginia down payment assistance program from Arlington County Housing Division. It provides Lesser of 25% of purchase price or $112,500 as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

0% deferred shared-appreciation second trust; purchase price cap $500,000. Page states MIPAP is OPEN; 2026 pre-approval application posted.

Where does Moderate-Income Purchase Assistance Program (MIPAP) apply?

This county-level program is available to buyers in Arlington County. Cities on our site where it applies:

Down payment assistance in Arlington

Detail	Program terms
Assistance	Lesser of 25% of purchase price or $112,500
Type	Deferred-payment loan
Minimum credit	Not published on the program page
First-time buyer	Required
Income limits	HUD limits updated annually (2024 listed: $86,640 for 1 person; $123,760 for 4 persons)

How does Moderate-Income Purchase Assistance Program (MIPAP) work with an FHA loan?

Virginia's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://arlingtonva.us/Government/Programs/Housing/Get-Help/Home-Ownership/MIPAP. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Virginia down payment assistance programs

Frequently asked questions

Lesser of 25% of purchase price or $112,500, according to Arlington County Housing Division.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

HUD limits updated annually (2024 listed: $86,640 for 1 person; $123,760 for 4 persons)

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.