Homebuyer Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Guilford County
Buying a home in Oak Ridge, NC
1 county program and 6 statewide.Oak Ridge has no program of its own, 1 across Guilford 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Oak Ridge
No program of Oak Ridge’s own yet
No program run for Oak Ridge alone is listed. A home in Oak Ridge can use Guilford County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Greensboro, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in GuilfordAnywhere in Guilford County
1 county program1 county program a Oak Ridge homebuyer can use
5 more programs are for homes in High Point and Greensboro. See them 5 programs in neighboring cities — for homes inside those cities, not Oak Ridge
- High Point — City-Wide Homebuyer Assistance Program
- High Point — Core City Homebuyer Incentive Program
- Greensboro — Homebuyer Assistance Program for #100Homes
- Greensboro — Homebuyer Assistance Program for Households
- Greensboro — Homebuyer Assistance Program for Public Service Heroes
The Oak Ridge marketThe Oak Ridge housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oak Ridge
- 98% single-familysingle-family
- 1.1% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
Condos count. Oak Ridge’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oak Ridge’s homes were built
pre-19401970s2020+
20.3%
of Oak Ridge 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.
$91,500
County area median income, 4 people (HUD)HUD area median income, Guilford County, 4-person household (2026)
$155,385
Oak Ridge median household incomeMedian household income in Oak Ridge (Census, 2024)
13 of the 69 programs here set their income limit as a share of Guilford County’s area median income, adjusted for household size. See the published limits for Guilford County
Free help nearbyFree help near Oak Ridge
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
Oak Ridge’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Homebuyer 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
Oak Ridge questions
Does Oak Ridge have its own down payment program?
No program run for Oak Ridge alone is listed. A home in Oak Ridge can use the 1 program that cover Guilford County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oak Ridge?
Oak Ridge’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 Guilford County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Guilford 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 Oak Ridge?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Oak Ridge. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27310
Nearby in Guilford
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.