Deferred second loan
CHOEDC Down Payment Assistance Program (CPLP)
Income limits · single_family · townhouse · condo
Down payment assistance · Orange County
Buying a home in Hillsborough, NC
1 Hillsborough program, 1 county program and 6 statewide.Hillsborough has 1 program of its own, 1 more across Orange 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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Only for Hillsborough addresses
Hillsborough’s own program
Anywhere in OrangeAnywhere in Orange County
1 county program1 county program a Hillsborough homebuyer can also use
1 more program is for homes in Chapel Hill. See them 1 program in neighboring cities — for homes inside those cities, not Hillsborough
- Chapel Hill — Town of Chapel Hill Employee Housing Program - Homebuyer Assistance
The Hillsborough marketThe Hillsborough housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hillsborough
- 61.9% single-familysingle-family
- 16.5% townhousetownhouse
- 2.4% 2–4 units2–4 units
- 18.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. All 2 of Hillsborough’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hillsborough’s homes were built
pre-19401970s2020+
27%
of Hillsborough 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.
$129,900
County area median income, 4 people (HUD)HUD area median income, Orange County, 4-person household (2026)
$98,163
Hillsborough median household incomeMedian household income in Hillsborough (Census, 2024)
14 of the 70 programs here set their income limit as a share of Orange County’s area median income, adjusted for household size. See the published limits for Orange County
Free help nearbyFree help near Hillsborough
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
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.
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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Hillsborough questions
Does Hillsborough have its own down payment program?
Yes, one: CHOEDC Down Payment Assistance Program (CPLP), a deferred second loan (income limits). It is for homes inside Hillsborough.
Can I use assistance on a condo in Hillsborough?
All 2 of Hillsborough’s local and county programs accept 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 Orange County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Orange 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 Hillsborough?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Hillsborough. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27278
Nearby in Orange
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.