Down payment assistance · Campbell County
Buying a home in Concord, VA
8 statewide.Concord 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 Concord
No program of Concord’s own yet
No program run for Concord or for Campbell County alone is listed. A home in Concord can use the Virginia statewide and federal programs below.
The closest city that runs its own program is Lynchburg, about 10 miles away. City programs usually require the home to be inside that city’s limits.
The Concord marketThe Concord housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Concord
- 72.8% single-familysingle-family
- 3.4% townhousetownhouse
- 19.9% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 3.8% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Concord’s homes were built
39.3%
of Concord 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 Campbell County’s area median income, adjusted for household size. See the published limits for Campbell County
Free help nearbyFree help near Concord
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
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
Concord questions
Does Concord have its own down payment program?
No program run for Concord alone is listed. A home in Concord can use the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Concord?
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 Campbell County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Campbell 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 Concord?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Concord. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
24538
Nearby in Campbell
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.