Down payment assistance · New Mexico
1 county-wide program, plus 9 statewide and 62 nationwide.McKinley 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 McKinleyAnywhere in McKinley County
It asks for a homebuyer class.This is run for the whole county, so a home in Gallup, Zuni Pueblo or Crownpoint can use it. It asks for a homebuyer class.
Second mortgage · New construction · Income limits
Single-family (1-4 units, primary residence), New construction (site-built or manufactured on permanent foundation), Existing home
The McKinley marketThe McKinley housing market
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
42.1%
of McKinley 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.
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 McKinley County’s area median income, adjusted for household size. See the published limits for McKinley County
Free help in McKinleyFree help in McKinley
McKinley’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Native Partnership for Housing Gap Financing (Second Mortgage) 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.
Free account → 90-second match → your counselors · Sign in
8 cities and placesA to Z
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.
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.
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.
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
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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.