Albemarle County Homebuyer Assistance Program (ACHAP)
Deferred second loan · Income limit 80% of AMI
See details Jul 2026
Down payment assistance · Virginia
Buying a home in Albemarle County, VA
1 county-wide program, plus 6 statewide and 62 nationwide.Albemarle has 1 program that covers the whole county. On top of those, 6 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in AlbemarleAnywhere in Albemarle County
1 program for every Albemarle address1 program that covers every Albemarle address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Hollymead or Crozet can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Albemarle, adjusted for household size. Each program publishes its own dollar limits.
The Albemarle marketThe Albemarle housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Albemarle
- 60.1% single-familysingle-family
- 13.2% townhousetownhouse
- 3.7% 2–4 units2–4 units
- 21% 5+ unitscondo & apartment buildings (5+ units)
- 2% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Albemarle’s homes were built
pre-19401970s2020+
30.6%
of Albemarle 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.
$139,800
HUD area median income, 4 people (FY2026)HUD area median income, Albemarle County, 4-person household (FY2026)
$104,392
Median household income (ACS 2024 5-year)Median household income in Albemarle (Census ACS 2024 5-year)
65.9%
of occupied homes are owner-occupied (Virginia: 67.3%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 69 programs here set their income limit as a share of Albemarle County’s area median income, adjusted for household size. See the published limits for Albemarle County
Free help in AlbemarleFree help in Albemarle
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Albemarle County
Albemarle’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Albemarle County Homebuyer Assistance Program (ACHAP) 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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Albemarle County.
Albemarle questions
Can I use a county program anywhere in Albemarle?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Albemarle County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Albemarle programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Albemarle?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Albemarle County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.