Down-payment assistance
Hernando DeSoto Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Down payment assistance · DeSoto County
Buying a home in Hernando, MS
1 Hernando program and 13 statewide.Hernando has 1 program 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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Only for Hernando addresses
Hernando’s own program
The Hernando marketThe Hernando housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hernando
- 80% single-familysingle-family
- 2.9% townhousetownhouse
- 3.8% 2–4 units2–4 units
- 6.9% 5+ unitscondo & apartment buildings (5+ units)
- 6.4% mobile & othermobile home & other
About condos. Hernando’s one local program does not list condos as eligible. Hernando DeSoto Habitat for Humanity Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hernando’s homes were built
pre-19401970s2020+
17.1%
of Hernando 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.
$92,700
County area median income, 4 people (HUD)HUD area median income, DeSoto County, 4-person household (2026)
$76,950
Hernando median household incomeMedian household income in Hernando (Census, 2024)
14 of the 76 programs here set their income limit as a share of DeSoto County’s area median income, adjusted for household size. See the published limits for DeSoto County
Free help nearbyFree help near Hernando
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Hernando’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Hernando DeSoto Habitat for Humanity Homeownership Program asks 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
Hernando questions
Does Hernando have its own down payment program?
Yes, one: Hernando DeSoto Habitat for Humanity Homeownership Program, a down-payment assistance for first-time homebuyers (new construction, income limits). It is for homes inside Hernando.
Can I use assistance on a condo in Hernando?
Hernando’s one local program does not list condos as eligible. Hernando DeSoto Habitat for Humanity 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 DeSoto County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for DeSoto 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 Hernando?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Hernando. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
38632
Nearby in DeSoto
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.