Hernando DeSoto Habitat for Humanity Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · DeSoto County
Buying a home in Horn Lake, MS
1 county program and 13 statewide.Horn Lake has no program of its own, 1 across DeSoto County, 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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What’s local to Horn Lake
No program of Horn Lake’s own yet
No program run for Horn Lake alone is listed. A home in Horn Lake can use DeSoto County’s programs below, plus the Mississippi statewide and federal ones.
The closest city that runs its own program is Jackson, about 184 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in DeSotoAnywhere in DeSoto County
1 county program1 county program a Horn Lake homebuyer can use
The Horn Lake marketThe Horn Lake housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Horn Lake
- 74.4% single-familysingle-family
- 2.1% townhousetownhouse
- 5.8% 2–4 units2–4 units
- 14.4% 5+ unitscondo & apartment buildings (5+ units)
- 3.3% mobile & othermobile home & other
About condos. Horn Lake’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 Horn Lake’s homes were built
pre-19401970s2020+
23.1%
of Horn Lake 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)
$53,311
Horn Lake median household incomeMedian household income in Horn Lake (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 Horn Lake
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
Horn Lake’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
Horn Lake questions
Does Horn Lake have its own down payment program?
No program run for Horn Lake alone is listed. A home in Horn Lake can use the 1 program that cover DeSoto County and the 13 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Horn Lake?
Horn Lake’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 Horn Lake?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Horn Lake. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
38637
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.