Down-payment assistance
Columbus-Lowndes Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Down payment assistance · Lowndes County
Buying a home in Columbus, MS
2 Columbus programs and 13 statewide.Columbus has 2 programs of its own, and 13 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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Columbus’s own programs
Down-payment assistance
Mississippi Regional Housing Authority IV HCV Homeownership Program
First-time homebuyers · New construction · Income limits · single_family · manufactured_home
The Columbus marketThe Columbus housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Columbus
- 65.2% single-familysingle-family
- 1.4% townhousetownhouse
- 11.1% 2–4 units2–4 units
- 20.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.5% mobile & othermobile home & other
About condos. None of Columbus’s 2 local and county programs list condos as eligible. Columbus-Lowndes Habitat for Humanity Homeownership Program lists single_family. Mississippi Regional Housing Authority IV HCV Homeownership Program lists single_family and manufactured_home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Columbus’s homes were built
pre-19401970s2020+
62.7%
of Columbus 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.
$75,500
County area median income, 4 people (HUD)HUD area median income, Lowndes County, 4-person household (2026)
$42,235
Columbus median household incomeMedian household income in Columbus (Census, 2024)
14 of the 77 programs here set their income limit as a share of Lowndes County’s area median income, adjusted for household size. See the published limits for Lowndes County
Free help nearbyFree help near Columbus
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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 Mississippi and nationwide
75 statewide & federal programs13 statewide programs, plus federal options
Columbus questions
Does Columbus have its own down payment program?
Yes, 2: Columbus-Lowndes Habitat for Humanity Homeownership Program and Mississippi Regional Housing Authority IV HCV Homeownership Program. Each is for homes inside Columbus.
Can I use assistance on a condo in Columbus?
None of Columbus’s 2 local and county programs list condos as eligible. Columbus-Lowndes Habitat for Humanity Homeownership Program lists single_family. Mississippi Regional Housing Authority IV HCV Homeownership Program lists single_family and manufactured_home. 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 Lowndes County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Lowndes 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 Columbus?
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
39701 · 39702 · 39703 · 39704 · 39705 · 39710
Nearby in Lowndes
Sources
Sources: agency sites (June–July 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–July 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.