Los Alamos County Homebuyer Assistance Program (HAP)
Deferred second loan
Down payment assistance · Los Alamos County
Buying a home in White Rock, NM
1 county program and 9 statewide.White Rock has no program of its own, 1 across Los Alamos 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 White Rock
No program of White Rock’s own yet
No program run for White Rock alone is listed. A home in White Rock can use Los Alamos County’s programs below, plus the New Mexico statewide and federal ones.
The closest city that runs its own program is Santa Fe, about 18 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Los AlamosAnywhere in Los Alamos County
1 county program1 county program a White Rock homebuyer can use
The White Rock marketThe White Rock housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in White Rock
- 96.3% single-familysingle-family
- 2.5% townhousetownhouse
- 0.7% 2–4 units2–4 units
- 0.5% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When White Rock’s homes were built
pre-19401970s2020+
82.3%
of White Rock 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)
$156,639
White Rock median household incomeMedian household income in White Rock (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 White Rock
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
White Rock’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
White Rock questions
Does White Rock have its own down payment program?
No program run for White Rock alone is listed. A home in White Rock can use the 1 program that cover Los Alamos County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in White Rock?
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 White Rock?
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 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.