Greater Albuquerque Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Bernalillo County
Buying a home in Ponderosa Pine, NM
1 county program and 9 statewide.Ponderosa Pine has no program of its own, 1 across Bernalillo County, 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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What’s local to Ponderosa Pine
No program of Ponderosa Pine’s own yet
No program run for Ponderosa Pine alone is listed. A home in Ponderosa Pine can use Bernalillo County’s programs below, plus the New Mexico statewide and federal ones.
The closest city that runs its own program is Albuquerque, about 20 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BernalilloAnywhere in Bernalillo County
1 county program1 county program a Ponderosa Pine homebuyer can use
2 more programs are for homes in Albuquerque. See them 2 programs in neighboring cities — for homes inside those cities, not Ponderosa Pine
- Albuquerque — City of Albuquerque Affordable Homeownership Assistance
- Albuquerque — Sawmill Community Land Trust Homebuyer Program
The Ponderosa Pine marketThe Ponderosa Pine housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ponderosa Pine
- 94.7% single-familysingle-family
- 0% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 5.3% mobile & othermobile home & other
About condos. Ponderosa Pine’s one local program does not list condos as eligible. Greater Albuquerque 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 Ponderosa Pine’s homes were built
pre-19401970s2020+
26.8%
of Ponderosa Pine 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.
$100,400
County area median income, 4 people (HUD)HUD area median income, Bernalillo County, 4-person household (2026)
$87,361
Ponderosa Pine median household incomeMedian household income in Ponderosa Pine (Census, 2024)
12 of the 72 programs here set their income limit as a share of Bernalillo County’s area median income, adjusted for household size. See the published limits for Bernalillo County
Free help nearbyFree help near Ponderosa Pine
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Ponderosa Pine’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Greater Albuquerque 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
Ponderosa Pine questions
Does Ponderosa Pine have its own down payment program?
No program run for Ponderosa Pine alone is listed. A home in Ponderosa Pine can use the 1 program that cover Bernalillo County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ponderosa Pine?
Ponderosa Pine’s one local program does not list condos as eligible. Greater Albuquerque 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 Bernalillo County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Bernalillo 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 Ponderosa Pine?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Bernalillo
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.