Deferred second loan
Down payment assistance · Los Alamos County
Buying a home in Los Alamos, NM
1 Los Alamos program and 9 statewide.Los Alamos 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 Los Alamos addresses
Los Alamos’s own program
The Los Alamos marketThe Los Alamos housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Los Alamos
- 51.3% single-familysingle-family
- 12.4% townhousetownhouse
- 9.3% 2–4 units2–4 units
- 22.8% 5+ unitscondo & apartment buildings (5+ units)
- 4.2% 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+
56.7%
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
County area median income, 4 people (HUD)HUD area median income, Los Alamos County, 4-person household (2026)
$141,018
Los Alamos median household incomeMedian household income in Los Alamos (Census, 2024)
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 nearbyFree help near 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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Across New Mexico and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Los Alamos questions
Does Los Alamos have its own down payment program?
Yes, one: Los Alamos County Homebuyer Assistance Program (HAP), a deferred second loan. It is for homes inside Los Alamos.
Can I use assistance on a condo in Los Alamos?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Los Alamos County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Los Alamos 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 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.
ZIP codes
87544 · 87545
Nearby in Los Alamos
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.