Deferred second loan
Albemarle County Homebuyer Assistance Program (ACHAP)
First-time homebuyers · Income limits
Down payment assistance · Charlottesville County
Buying a home in Charlottesville, VA
6 Charlottesville programs and 8 statewide.Charlottesville has 6 programs 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.
Find my programs Free · No credit pull · 90 seconds
Only for Charlottesville addresses
Charlottesville’s own programs
Deferred second loan
Down Payment & Closing Cost Loan Program
First-time homebuyers · Income limits · Single Family · Modular · Manufactured
Deferred second loan
Down Payment Programs
First-time homebuyers · New construction · Income limits · Single-family detached · Townhouse · Condominium
First mortgage
Habitat for Humanity of Greater Charlottesville Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down-payment assistance
Piedmont Community Land Trust Homeownership Program
First-time homebuyers · Income limits · Single Family · Townhouse · Condo
Deferred second loan
Piedmont Housing Alliance Down Payment Loan Program
Income limits
The Charlottesville marketThe Charlottesville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Charlottesville
- 47% single-familysingle-family
- 8.8% townhousetownhouse
- 14.7% 2–4 units2–4 units
- 29% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Charlottesville’s homes were built
pre-19401970s2020+
64.1%
of Charlottesville 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.
$74,824
Charlottesville median household incomeMedian household income in Charlottesville (Census, 2024)
Programs that publish an income limit usually set it as a share of Charlottesville County’s area median income, adjusted for household size. See the published limits for Charlottesville County
Free help nearbyFree help near Charlottesville
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 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.
Find my counselor
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
Charlottesville questions
Does Charlottesville have its own down payment program?
Yes, 6: Albemarle County Homebuyer Assistance Program (ACHAP), Down Payment & Closing Cost Loan Program, Down Payment Programs, Habitat for Humanity of Greater Charlottesville Homeownership Program, Piedmont Community Land Trust Homeownership Program and Piedmont Housing Alliance Down Payment Loan Program. Each is for homes inside Charlottesville.
Can I use assistance on a condo in Charlottesville?
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 Charlottesville County?
Each program sets its own. Most published limits are a share of HUD’s area median income for Charlottesville County, adjusted for household size. The published limits page lists each program’s limit.
Where can I take a homebuyer class near Charlottesville?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Charlottesville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
22901 · 22902 · 22903 · 22904 · 22905 · 22906 · 22907 · 22908 · 22909 · 22910 · 22911
Nearby in Charlottesville
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, 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). Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.