First mortgage
Haywood Habitat for Humanity Homeownership Program (SHLP)
Income limits · single_family
Down payment assistance · Haywood County
Buying a home in Waynesville, NC
2 Waynesville programs and 6 statewide.Waynesville has 2 programs 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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Waynesville’s own programs
Deferred second loan
Mountain Projects Down Payment Assistance Program (CPLP)
Income limits · single_family · townhouse · condo
The Waynesville marketThe Waynesville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Waynesville
- 60.1% single-familysingle-family
- 2.4% townhousetownhouse
- 14% 2–4 units2–4 units
- 10.2% 5+ unitscondo & apartment buildings (5+ units)
- 13.4% mobile & othermobile home & other
Condos count. 1 of Waynesville’s 2 local and county programs accept condos. Haywood Habitat for Humanity Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Waynesville’s homes were built
pre-19401970s2020+
60.5%
of Waynesville 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.
$86,700
County area median income, 4 people (HUD)HUD area median income, Haywood County, 4-person household (2026)
$54,923
Waynesville median household incomeMedian household income in Waynesville (Census, 2024)
14 of the 70 programs here set their income limit as a share of Haywood County’s area median income, adjusted for household size. See the published limits for Haywood County
Free help nearbyFree help near Waynesville
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
Waynesville questions
Does Waynesville have its own down payment program?
Yes, 2: Haywood Habitat for Humanity Homeownership Program (SHLP) and Mountain Projects Down Payment Assistance Program (CPLP). Each is for homes inside Waynesville.
Can I use assistance on a condo in Waynesville?
1 of Waynesville’s 2 local and county programs accept condos. Haywood Habitat for Humanity Homeownership Program (SHLP) lists single_family. 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 Haywood County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Haywood 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 Waynesville?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Waynesville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28785 · 28786
Nearby in Haywood
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.