Second mortgage
Native Partnership for Housing Gap Financing (Second Mortgage)
New construction · Income limits · Single-family (1-4 units, primary residence) · New construction (site-built or manufactured on permanent foundation) · Existing home
Down payment assistance · McKinley County
Buying a home in Gallup, NM
1 Gallup program and 9 statewide.Gallup has 1 program of its own, and 9 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 Gallup addresses
Gallup’s own program
The Gallup marketThe Gallup housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gallup
- 56% single-familysingle-family
- 0.5% townhousetownhouse
- 16.6% 2–4 units2–4 units
- 7.9% 5+ unitscondo & apartment buildings (5+ units)
- 18.9% mobile & othermobile home & other
About condos. Gallup’s one local program does not list condos as eligible. Native Partnership for Housing Gap Financing (Second Mortgage) lists single-family (1-4 units, primary residence), new construction (site-built or manufactured on permanent foundation) and existing home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gallup’s homes were built
pre-19401970s2020+
56.8%
of Gallup 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.
$56,400
County area median income, 4 people (HUD)HUD area median income, McKinley County, 4-person household (2026)
$58,303
Gallup median household incomeMedian household income in Gallup (Census, 2024)
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 nearbyFree help near Gallup
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Gallup’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.
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Across New Mexico and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Gallup questions
Does Gallup have its own down payment program?
Yes, one: Native Partnership for Housing Gap Financing (Second Mortgage), a second mortgage (new construction, income limits). It is for homes inside Gallup.
Can I use assistance on a condo in Gallup?
Gallup’s one local program does not list condos as eligible. Native Partnership for Housing Gap Financing (Second Mortgage) lists single-family (1-4 units, primary residence), new construction (site-built or manufactured on permanent foundation) and existing home. 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 McKinley County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for McKinley 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 Gallup?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
87301 · 87302 · 87305
Sources
Sources: agency sites (July 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 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.