Deferred second loan
Financial Pathways of the Piedmont Down Payment Assistance (CPLP)
Income limits · single_family · townhouse · condo
Down payment assistance · Forsyth County
Buying a home in Winston-Salem, NC
2 Winston-Salem programs, 1 county program and 6 statewide.Winston-Salem has 2 programs of its own, 1 more across Forsyth 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 Winston-Salem addresses
Winston-Salem’s own programs
Deferred second loan
City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)
First-time homebuyers · New construction · Income limits · Single Family · Townhouse · Condo
Anywhere in ForsythAnywhere in Forsyth County
1 county program1 county program a Winston-Salem homebuyer can also use
The Winston-Salem marketThe Winston-Salem housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Winston-Salem
- 61.6% single-familysingle-family
- 4.7% townhousetownhouse
- 6.1% 2–4 units2–4 units
- 25.6% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
Condos count. All 3 of Winston-Salem’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Winston-Salem’s homes were built
pre-19401970s2020+
48%
of Winston-Salem 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.
$96,700
County area median income, 4 people (HUD)HUD area median income, Forsyth County, 4-person household (2026)
$59,268
Winston-Salem median household incomeMedian household income in Winston-Salem (Census, 2024)
15 of the 71 programs here set their income limit as a share of Forsyth County’s area median income, adjusted for household size. See the published limits for Forsyth County
Free help nearbyFree help near Winston-Salem
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Winston-Salem questions
Does Winston-Salem have its own down payment program?
Yes, 2: Financial Pathways of the Piedmont Down Payment Assistance (CPLP) and City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance). Each is for homes inside Winston-Salem.
Can I use assistance on a condo in Winston-Salem?
All 3 of Winston-Salem’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 Forsyth County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Forsyth 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 Winston-Salem?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Winston-Salem. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27101 · 27102 · 27103 · 27104 · 27105 · 27106 · 27107 · 27108 · 27109 · 27110 · 27111 · 27113 · 27114 · 27115 · 27116 · 27117 · 27120 · 27127 · 27130 · 27150 · 27151 · 27152 · 27155 · 27156 · 27157 · 27198 · 27199
Nearby in Forsyth
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.