Mountain Housing Opportunities Down Payment Assistance Program (DAP)
Shared-appreciation loan · New construction · Income limit 80% of AMI
Single Family, Townhouse, Condo, Modular
See details Jul 2026
Down payment assistance · North Carolina
Buying a home in Buncombe County, NC
2 county-wide programs, plus 6 statewide and 62 nationwide.Buncombe has 2 programs that cover the whole county. On top of those, 6 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in BuncombeAnywhere in Buncombe County
2 programs for every Buncombe address2 programs that cover every Buncombe address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Asheville, Black Mountain or Woodfin can use them. All 2 ask for a homebuyer class.
Downpayment Assistance
Deferred second loan · New construction · Income limit 80% of AMI
Single-family detached, townhouse, condominium, or eligible manufactured home on permanent foundation.
See details Jul 2026
AMI is HUD’s area median income for Buncombe, adjusted for household size. Each program publishes its own dollar limits.
The Buncombe marketThe Buncombe housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Buncombe
- 63.8% single-familysingle-family
- 3% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 16% 5+ unitscondo & apartment buildings (5+ units)
- 12% mobile & othermobile home & other
Condos count. All 2 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Buncombe’s homes were built
pre-19401970s2020+
36.8%
of Buncombe 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.
$103,200
HUD area median income, 4 people (FY2026)HUD area median income, Buncombe County, 4-person household (FY2026)
$74,436
Median household income (ACS 2024 5-year)Median household income in Buncombe (Census ACS 2024 5-year)
66.2%
of occupied homes are owner-occupied (North Carolina: 66.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 14 of the 70 programs here set their income limit as a share of Buncombe County’s area median income, adjusted for household size. See the published limits for Buncombe County
Free help in BuncombeFree help in Buncombe
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Buncombe County
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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Buncombe County.
10 cities and placesA to Z
All cities in Buncombe CountyAll 10 cities and places in Buncombe County
Buncombe questions
Can I use a county program anywhere in Buncombe?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Buncombe County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Buncombe programs accept condos?
All 2 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Buncombe?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Buncombe County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.