LOUDOUN COUNTY, VA — In an effort to speed up the creation of more attainable housing options, the Loudoun County Board of Supervisors approved a new loan program for developers at its June 17 meeting. It’s called the Attainable Housing Loan Program (AHLP), and it’s designed to help finance projects that provide housing for moderate-income residents—both renters and homebuyers.
This new program replaces two older loan initiatives the county had in place and combines their resources under one umbrella. It’s being promoted as a more efficient way to get funding into the hands of developers who are building or preserving housing for residents who don’t qualify for affordable housing, but still can’t afford Loudoun’s market-rate prices.
“We need housing that regular working families can actually afford. This new program gives developers one clear path to get help building it,” one county official told us off the record.
Who Can Qualify
The AHLP targets two main groups:
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Renters in households making up to 70% of the Area Median Income (AMI) — currently $114,750 for a family of four.
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Homebuyers in households earning up to 100% of AMI — currently $163,900 for a family of four.
This is a big shift from earlier programs that focused more heavily on the lowest-income households. It’s also a nod to Loudoun’s growing workforce — teachers, sheriff’s deputies, healthcare workers — who often make too much to qualify for traditional affordable housing but still struggle to live here.
The loans can be used for buying land or buildings, renovating existing housing, preserving older homes, or developing brand-new ones. Both for-profit and nonprofit developers are eligible to apply, as long as they’re licensed to do business in Virginia and meet state and federal contracting requirements.
Application Info
Developers who want to take advantage of the AHLP must submit their completed applications by 5:00 p.m. on Tuesday, September 2, 2025. Full program guidelines and application instructions are posted at loudoun.gov/housing.
The county says the AHLP is tied closely to its Unmet Housing Needs Strategic Plan, which the Board adopted in 2021. That plan identified a growing gap between what housing is available and what residents — especially younger families and seniors on fixed incomes — can actually afford.
For residents who’ve watched the cost of housing climb out of reach over the past decade, this could signal a more targeted, strategic approach to the housing crisis.
But the real question remains: Will developers use it? And will the projects actually serve Loudoun families struggling to stay here?
We’ll be watching.
