See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 28, 2026
Homebuyer Programs in Leesburg, VA (2026)
Leesburg is the county seat of Loudoun County in Northern Virginia, located about 35 miles northwest of Washington, D.C., and is one of the fastest-growing communities in the region. With a median home price around $756,000, buying here can feel daunting, but Loudoun County offers some of the most generous local down payment assistance in Virginia. The Loudoun County DPCC Program provides forgivable loans up to $70,000 for first-time buyers, and the DPCC Plus Program extends the same benefit to moderate-income households earning up to $163,900. County and school employees can tap the PEG Program for up to $25,000 in forgivable grants. When combined with state programs like the Virginia Housing Down Payment Assistance Grant (2-2.5% of the purchase price) and the DHCD HOMEownership DPA (up to $40,000), Leesburg buyers can potentially stack over $100,000 in assistance toward their home purchase.
County Programs in Loudoun County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Loudoun County Affordable Dwelling Unit (ADU) Purchase Program | Grant | Below-market purchase price on townhomes and condominiums | Yes | View → |
| Loudoun County DPCC Plus Program | Forgivable Loan | Up to 10% of the sales price or $70,000, whichever is less | Yes | View → |
| Loudoun County DPCC Program | Forgivable Loan | Up to 10% of the sales price or $70,000, whichever is less | Yes | View → |
| Loudoun County Public Employee Homeownership Grant (PEG) | Forgivable Loan | Up to 10% of the sales price or $25,000, whichever is less | No | View → |
- Type:
- Grant
- Amount:
- Below-market purchase price on townhomes and condominiums
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 10% of the sales price or $70,000, whichever is less
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 10% of the sales price or $70,000, whichever is less
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to 10% of the sales price or $25,000, whichever is less
- First-time only:
- No
State Programs in Virginia
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| DHCD HOMEownership Down Payment Assistance Program | Deferred Loan | Up to 10% to 15% of the sales price plus up to $2,500 for closing costs. Maximum assistance of $40,000. | Yes | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Grant | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Virginia Down Payment Assistance Pilot Program | Deferred Loan | Up to $50,000 | Yes | View → |
| Virginia Housing Closing Cost Assistance Grant | Grant | Up to 2% of the purchase price | Yes | View → |
| Virginia Housing Down Payment Assistance Grant | Grant | 2.5% (FHA Bond) or 2% (Conventional Bond) of the lesser of sales price or appraised value; down payment only | Yes | View → |
| Virginia Housing SPARC Program | Zero-Interest Loan | 1 percentage point reduction on Virginia Housing first mortgage interest rate | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to 10% to 15% of the sales price plus up to $2,500 for closing costs. Maximum assistance of $40,000.
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $50,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to 2% of the purchase price
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- 2.5% (FHA Bond) or 2% (Conventional Bond) of the lesser of sales price or appraised value; down payment only
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- 1 percentage point reduction on Virginia Housing first mortgage interest rate
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Loudoun Habitat for Humanity Homebuyer Program | Zero-Interest Loan | Affordable, no-profit home purchase price | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable, no-profit home purchase price
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Loudoun County's DPCC Program accepts households earning up to $186,000 (1-2 people) or $217,000 (3+ people). The DPCC Plus Program covers incomes from $114,750 to $163,900. County and school employees earning $49,200 to $114,750 may qualify for the PEG Program.
Step 2: Complete homebuyer education. A Virginia Housing pre-purchase homebuyer education course is required for most programs. Loudoun County offers Virginia Housing Pre-Purchase Homebuyer Training through their Department of Housing and Community Development.
Step 3: Get pre-approved for a mortgage. Work with a Virginia Housing-approved lender to explore first mortgage options, including the SPARC reduced-rate mortgage when funding is available.
Step 4: Contact Loudoun County Housing and Community Development. Reach them at 703-737-8323 or visit their office at 106 Catoctin Circle SE, Leesburg, VA 20175 to discuss which programs fit your situation.
Step 5: Find a home within Loudoun County. All county programs require purchasing within Loudoun County. The DPCC program has no specific purchase price limit, but the home must be your primary residence.
Step 6: Submit your application with a ratified sales contract. DPCC and PEG applications require a complete, signed sales contract at the time of submission. Funding is limited and available on a first-come, first-served basis, so apply promptly once you have a contract.
Frequently Asked Questions
How much down payment assistance can I get in Leesburg?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum income to qualify for Leesburg homebuyer programs?+−
What homebuyer education is required?+−
Are there programs specifically for Loudoun County government or school employees?+−
How long does it take to get approved for down payment assistance in Leesburg?+−
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