Albemarle County Homebuyer Assistance Program (ACHAP)
Deferred second loan · Income limits
Down payment assistance · Albemarle County
Buying a home in Crozet, VA
1 county program and 8 statewide.Crozet has no program of its own, 1 across Albemarle County, and 8 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 Crozet
No program of Crozet’s own yet
No program run for Crozet alone is listed. A home in Crozet can use Albemarle County’s programs below, plus the Virginia statewide and federal ones.
The closest city that runs its own program is Harrisonburg, about 28 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in AlbemarleAnywhere in Albemarle County
1 county program1 county program a Crozet homebuyer can use
The Crozet marketThe Crozet housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Crozet
- 57.2% single-familysingle-family
- 23.1% townhousetownhouse
- 1.8% 2–4 units2–4 units
- 16.6% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Crozet’s homes were built
pre-19401970s2020+
12.4%
of Crozet 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
County area median income, 4 people (HUD)HUD area median income, Albemarle County, 4-person household (2026)
$129,417
Crozet median household incomeMedian household income in Crozet (Census, 2024)
15 of the 71 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 nearbyFree help near Crozet
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Crozet’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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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
Crozet questions
Does Crozet have its own down payment program?
No program run for Crozet alone is listed. A home in Crozet can use the 1 program that cover Albemarle County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Crozet?
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 Albemarle County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Albemarle 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 Crozet?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Crozet. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
22932
Nearby in Albemarle
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.