Deferred second loan
Franklin-Vance-Warren Opportunity Down Payment Assistance (CPLP)
Income limits · single_family · townhouse · condo
Down payment assistance · Vance County
Buying a home in Henderson, NC
1 Henderson program and 6 statewide.Henderson has 1 program of its own, 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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Only for Henderson addresses
Henderson’s own program
The Henderson marketThe Henderson housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Henderson
- 69.8% single-familysingle-family
- 2.6% townhousetownhouse
- 10.9% 2–4 units2–4 units
- 12.1% 5+ unitscondo & apartment buildings (5+ units)
- 4.6% mobile & othermobile home & other
Condos count. Henderson’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Henderson’s homes were built
pre-19401970s2020+
69%
of Henderson 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.
$67,800
County area median income, 4 people (HUD)HUD area median income, Vance County, 4-person household (2026)
$39,969
Henderson median household incomeMedian household income in Henderson (Census, 2024)
13 of the 69 programs here set their income limit as a share of Vance County’s area median income, adjusted for household size. See the published limits for Vance County
Free help nearbyFree help near Henderson
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Henderson’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Franklin-Vance-Warren Opportunity Down Payment Assistance (CPLP) 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
Henderson questions
Does Henderson have its own down payment program?
Yes, one: Franklin-Vance-Warren Opportunity Down Payment Assistance (CPLP), a deferred second loan (income limits). It is for homes inside Henderson.
Can I use assistance on a condo in Henderson?
Henderson’s one local program accepts condos. 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 Vance County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Vance 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 Henderson?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Henderson. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27536 · 27537
Nearby in Vance
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.