Los Alamos County Homebuyer Assistance Program (HAP)
Deferred second loan
See details Jul 2026
Down payment assistance · New Mexico
Buying a home in Los Alamos County, NM
1 county-wide program, plus 9 statewide and 62 nationwide.Los Alamos has 1 program that covers the whole county. On top of those, 9 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in Los AlamosAnywhere in Los Alamos County
1 program for every Los Alamos address1 program that covers every Los Alamos address
It asks for a homebuyer class.This is run for the whole county, so a home in Los Alamos or White Rock can use it. It asks for a homebuyer class.
The Los Alamos marketThe Los Alamos housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Los Alamos
- 62.3% single-familysingle-family
- 9.5% townhousetownhouse
- 6.8% 2–4 units2–4 units
- 16.3% 5+ unitscondo & apartment buildings (5+ units)
- 5.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Los Alamos’s homes were built
pre-19401970s2020+
62.1%
of Los Alamos 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.
$182,500
HUD area median income, 4 people (FY2026)HUD area median income, Los Alamos County, 4-person household (FY2026)
$147,139
Median household income (ACS 2024 5-year)Median household income in Los Alamos (Census ACS 2024 5-year)
74.8%
of occupied homes are owner-occupied (New Mexico: 70%)
The two income figures measure different things. HUD’s area median income is the one programs use. 11 of the 72 programs here set their income limit as a share of Los Alamos County’s area median income, adjusted for household size. See the published limits for Los Alamos County
Free help in Los AlamosFree help in Los Alamos
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Los Alamos’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Los Alamos County Homebuyer Assistance Program (HAP) 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.
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2 cities and placesA to Z
All cities in Los Alamos CountyAll 2 cities and places in Los Alamos County
Los Alamos questions
Can I use a county program anywhere in Los Alamos?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Los Alamos County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Los Alamos programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Los Alamos?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.