Down-payment assistance
Cedar Valley Habitat for Humanity Affordable Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Linn County
Buying a home in Cedar Rapids, IA
2 Cedar Rapids programs and 9 statewide.Cedar Rapids has 2 programs of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Cedar Rapids’s own programs
Forgivable loan
First Time Home Buyer Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, manufactured home on permanent foundation
The Cedar Rapids marketThe Cedar Rapids housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cedar Rapids
- 61.9% single-familysingle-family
- 4.5% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 23.7% 5+ unitscondo & apartment buildings (5+ units)
- 3.3% mobile & othermobile home & other
Condos count. 1 of Cedar Rapids’s 2 local and county programs accept condos. Cedar Valley Habitat for Humanity Affordable Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cedar Rapids’s homes were built
pre-19401970s2020+
59.2%
of Cedar Rapids homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$105,300
County area median income, 4 people (HUD)HUD area median income, Linn County, 4-person household (2026)
$70,424
Cedar Rapids median household incomeMedian household income in Cedar Rapids (Census, 2024)
12 of the 73 programs here set their income limit as a share of Linn County’s area median income, adjusted for household size. See the published limits for Linn County
Free help nearbyFree help near Cedar Rapids
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Iowa and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Cedar Rapids questions
Does Cedar Rapids have its own down payment program?
Yes, 2: Cedar Valley Habitat for Humanity Affordable Homeownership Program and First Time Home Buyer Program. Each is for homes inside Cedar Rapids.
Can I use assistance on a condo in Cedar Rapids?
1 of Cedar Rapids’s 2 local and county programs accept condos. Cedar Valley Habitat for Humanity Affordable Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Linn County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Linn County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Cedar Rapids?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Cedar Rapids. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
52401 · 52402 · 52403 · 52404 · 52405 · 52406 · 52407 · 52408 · 52409 · 52410 · 52411 · 52497 · 52498 · 52499
Nearby in Linn
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.