Deferred second loan
SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance
First-time homebuyers · Income limits · Single Family
Down payment assistance · Union County
Buying a home in Creston, IA
1 Creston program and 9 statewide.Creston has 1 program 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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Only for Creston addresses
Creston’s own program
The Creston marketThe Creston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Creston
- 71.6% single-familysingle-family
- 1% townhousetownhouse
- 10.6% 2–4 units2–4 units
- 13% 5+ unitscondo & apartment buildings (5+ units)
- 3.9% mobile & othermobile home & other
About condos. Creston’s one local program does not list condos as eligible. SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Creston’s homes were built
pre-19401970s2020+
75%
of Creston 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.
$81,300
County area median income, 4 people (HUD)HUD area median income, Union County, 4-person household (2026)
$52,633
Creston median household incomeMedian household income in Creston (Census, 2024)
10 of the 72 programs here set their income limit as a share of Union County’s area median income, adjusted for household size. See the published limits for Union County
Free help nearbyFree help near Creston
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Creston questions
Does Creston have its own down payment program?
Yes, one: SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Creston.
Can I use assistance on a condo in Creston?
Creston’s one local program does not list condos as eligible. SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance 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 Union County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Union 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 Creston?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
50801
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.