Mountain Housing Opportunities Down Payment Assistance Program (DAP)
Shared-appreciation loan · New construction · Income limits
Down payment assistance · Buncombe County
Buying a home in Royal Pines, NC
2 county programs and 6 statewide.Royal Pines has no program of its own, 2 across Buncombe 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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What’s local to Royal Pines
No program of Royal Pines’s own yet
No program run for Royal Pines alone is listed. A home in Royal Pines can use Buncombe County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Gastonia, about 76 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BuncombeAnywhere in Buncombe County
2 county programs2 county programs a Royal Pines homebuyer can use
The Royal Pines marketThe Royal Pines housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Royal Pines
- 83.4% single-familysingle-family
- 3.6% townhousetownhouse
- 11.7% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. All 2 of Royal Pines’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Royal Pines’s homes were built
pre-19401970s2020+
46%
of Royal Pines 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
County area median income, 4 people (HUD)HUD area median income, Buncombe County, 4-person household (2026)
$107,885
Royal Pines median household incomeMedian household income in Royal Pines (Census, 2024)
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 nearbyFree help near Royal Pines
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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
Royal Pines questions
Does Royal Pines have its own down payment program?
No program run for Royal Pines alone is listed. A home in Royal Pines can use the 2 programs that cover Buncombe County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Royal Pines?
All 2 of Royal Pines’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 Buncombe County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Buncombe 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 Royal Pines?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Royal Pines. Create a free account and take the 90-second match to see the ones near you.
Nearby in Buncombe
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.