Deferred second loan
City of Jacksonville Homeownership Down Payment Assistance Program
New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Onslow County
Buying a home in Jacksonville, NC
1 Jacksonville program and 6 statewide.Jacksonville 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.
Find my programs Free · No credit pull · 90 seconds
Only for Jacksonville addresses
Jacksonville’s own program
The Jacksonville marketThe Jacksonville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Jacksonville
- 48.6% single-familysingle-family
- 20.7% townhousetownhouse
- 7.3% 2–4 units2–4 units
- 20.9% 5+ unitscondo & apartment buildings (5+ units)
- 2.5% mobile & othermobile home & other
Condos count. Jacksonville’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jacksonville’s homes were built
pre-19401970s2020+
36.5%
of Jacksonville 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.
$85,400
County area median income, 4 people (HUD)HUD area median income, Onslow County, 4-person household (2026)
$57,697
Jacksonville median household incomeMedian household income in Jacksonville (Census, 2024)
13 of the 69 programs here set their income limit as a share of Onslow County’s area median income, adjusted for household size. See the published limits for Onslow County
Free help nearbyFree help near Jacksonville
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Jacksonville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.City of Jacksonville Homeownership Down Payment Assistance 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Jacksonville questions
Does Jacksonville have its own down payment program?
Yes, one: City of Jacksonville Homeownership Down Payment Assistance Program, a deferred second loan (new construction, income limits). It is for homes inside Jacksonville.
Can I use assistance on a condo in Jacksonville?
Jacksonville’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 Onslow County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Onslow 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 Jacksonville?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28540 · 28541 · 28546
Nearby in Onslow
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.