Down payment assistance · Northampton County
Buying a home in Cape Charles, VA
8 statewide.Cape Charles has no program of its own, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Cape Charles
No program of Cape Charles’s own yet
No program run for Cape Charles or for Northampton County alone is listed. A home in Cape Charles can use the Virginia statewide and federal programs below.
The closest city that runs its own program is Hampton, about 25 miles away. City programs usually require the home to be inside that city’s limits.
The Cape Charles marketThe Cape Charles housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cape Charles
- 57.5% single-familysingle-family
- 14.8% townhousetownhouse
- 7.6% 2–4 units2–4 units
- 20.2% 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 Cape Charles’s homes were built
51.8%
of Cape Charles 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.
14 of the 70 programs here set their income limit as a share of Northampton County’s area median income, adjusted for household size. See the published limits for Northampton County
Free help nearbyFree help near Cape Charles
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Virginia and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
- Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance ProgramUp to $40,000 · Deferred second loan
- HOMEownership Down Payment Assistance Program (VHCDC)Up to $25,000 · Forgivable loan
- Virginia Individual Development Account (VIDA) Program (VHCDC)Up to $10,000 · Down-payment assistance
Cape Charles questions
Does Cape Charles have its own down payment program?
No program run for Cape Charles alone is listed. A home in Cape Charles can use the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cape Charles?
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 Northampton County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Northampton 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 Cape Charles?
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
23310
Nearby in Northampton
Sources
Sources: agency sites (June–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 (June–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.