Haywood Habitat for Humanity Homeownership Program (SHLP)
First mortgage · Income limits
Down payment assistance · Haywood County
Buying a home in Clyde, NC
1 county program and 6 statewide.Clyde has no program of its own, 1 across Haywood County, and 6 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 Clyde
No program of Clyde’s own yet
No program run for Clyde alone is listed. A home in Clyde can use Haywood County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Gastonia, about 99 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HaywoodAnywhere in Haywood County
1 county program1 county program a Clyde homebuyer can use
The Clyde marketThe Clyde housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Clyde
- 63.7% single-familysingle-family
- 1.6% townhousetownhouse
- 9.2% 2–4 units2–4 units
- 6.8% 5+ unitscondo & apartment buildings (5+ units)
- 18.7% mobile & othermobile home & other
About condos. Clyde’s one local program does not list condos as eligible. Haywood Habitat for Humanity Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Clyde’s homes were built
pre-19401970s2020+
39.3%
of Clyde 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.
$86,700
County area median income, 4 people (HUD)HUD area median income, Haywood County, 4-person household (2026)
$56,406
Clyde median household incomeMedian household income in Clyde (Census, 2024)
13 of the 69 programs here set their income limit as a share of Haywood County’s area median income, adjusted for household size. See the published limits for Haywood County
Free help nearbyFree help near Clyde
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Clyde’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Haywood Habitat for Humanity Homeownership Program (SHLP) 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 North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Clyde questions
Does Clyde have its own down payment program?
No program run for Clyde alone is listed. A home in Clyde can use the 1 program that cover Haywood County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Clyde?
Clyde’s one local program does not list condos as eligible. Haywood Habitat for Humanity Homeownership Program (SHLP) 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 Haywood County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Haywood 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 Clyde?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Clyde. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28721
Nearby in Haywood
Sources
Sources: agency sites (July–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 (July–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.