Deferred second loan
Santa Fe Community Housing Trust - Mortgage Reduction Assistance
Income limits
Down payment assistance · Santa Fe County
Buying a home in Santa Fe, NM
3 Santa Fe programs, 1 county program and 9 statewide.Santa Fe has 3 programs of its own, 1 more across Santa Fe 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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Only for Santa Fe addresses
Santa Fe’s own programs
Down-payment assistance
Santa Fe Community Housing Trust HOPWA Homebuyer Initiative (HIV/AIDS)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
First mortgage
Santa Fe Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single-family detached (newly built Habitat home)
Anywhere in Santa FeAnywhere in Santa Fe County
1 county program1 county program a Santa Fe homebuyer can also use
The Santa Fe marketThe Santa Fe housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Santa Fe
- 55.8% single-familysingle-family
- 10.3% townhousetownhouse
- 9% 2–4 units2–4 units
- 16.2% 5+ unitscondo & apartment buildings (5+ units)
- 8.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Santa Fe’s homes were built
pre-19401970s2020+
39.8%
of Santa Fe 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.
$118,600
County area median income, 4 people (HUD)HUD area median income, Santa Fe County, 4-person household (2026)
$73,482
Santa Fe median household incomeMedian household income in Santa Fe (Census, 2024)
14 of the 75 programs here set their income limit as a share of Santa Fe County’s area median income, adjusted for household size. See the published limits for Santa Fe County
Free help nearbyFree help near Santa Fe
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask 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
Santa Fe questions
Does Santa Fe have its own down payment program?
Yes, 3: Santa Fe Community Housing Trust - Mortgage Reduction Assistance, Santa Fe Community Housing Trust HOPWA Homebuyer Initiative (HIV/AIDS) and Santa Fe Habitat for Humanity Homeownership Program. Each is for homes inside Santa Fe.
Can I use assistance on a condo in Santa Fe?
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 Santa Fe County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Santa Fe 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 Santa Fe?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Santa Fe. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
87500 · 87501 · 87502 · 87503 · 87504 · 87505 · 87506 · 87507 · 87508 · 87509 · 87592 · 87594
Nearby in Santa Fe
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.