First mortgage
Mesilla Valley Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single-family detached (newly built Habitat home)
Down payment assistance · Doña Ana County
Buying a home in Las Cruces, NM
1 Las Cruces program and 9 statewide.Las Cruces 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 Las Cruces addresses
Las Cruces’s own program
The Las Cruces marketThe Las Cruces housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Las Cruces
- 59.9% single-familysingle-family
- 4.8% townhousetownhouse
- 9.7% 2–4 units2–4 units
- 17.2% 5+ unitscondo & apartment buildings (5+ units)
- 8.3% mobile & othermobile home & other
About condos. Las Cruces’s one local program does not list condos as eligible. Mesilla Valley Habitat for Humanity Homeownership Program lists single-family detached (newly built habitat home).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Las Cruces’s homes were built
pre-19401970s2020+
33.5%
of Las Cruces 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.
$79,900
County area median income, 4 people (HUD)HUD area median income, Doña Ana County, 4-person household (2026)
$55,422
Las Cruces median household incomeMedian household income in Las Cruces (Census, 2024)
11 of the 72 programs here set their income limit as a share of Doña Ana County’s area median income, adjusted for household size. See the published limits for Doña Ana County
Free help nearbyFree help near Las Cruces
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Las Cruces’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Mesilla Valley Habitat for Humanity Homeownership Program 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
Las Cruces questions
Does Las Cruces have its own down payment program?
Yes, one: Mesilla Valley Habitat for Humanity Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Las Cruces.
Can I use assistance on a condo in Las Cruces?
Las Cruces’s one local program does not list condos as eligible. Mesilla Valley Habitat for Humanity Homeownership Program lists single-family detached (newly built habitat 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 Doña Ana County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Doña Ana 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 Las Cruces?
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
88001 · 88003 · 88004 · 88005 · 88006 · 88011 · 88012
Nearby in Doña Ana
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.