Northern Virginia Down Payment & Closing Cost Assistance (CFH)
Forgivable loan · Income limits
Down payment assistance · Prince William County
Buying a home in Gainesville, VA
3 county programs and 8 statewide.Gainesville has no program of its own, 3 across Prince William 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Gainesville
No program of Gainesville’s own yet
No program run for Gainesville alone is listed. A home in Gainesville can use Prince William County’s programs below, plus the Virginia statewide and federal ones.
The closest city that runs its own program is Manassas Park, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Prince WilliamAnywhere in Prince William County
3 county programs3 county programs a Gainesville homebuyer can use
The Gainesville marketThe Gainesville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gainesville
- 55.9% single-familysingle-family
- 32.7% townhousetownhouse
- 2.3% 2–4 units2–4 units
- 8.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gainesville’s homes were built
pre-19401970s2020+
4.3%
of Gainesville 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.
$166,100
County area median income, 4 people (HUD)HUD area median income, Prince William County, 4-person household (2026)
$174,410
Gainesville median household incomeMedian household income in Gainesville (Census, 2024)
17 of the 73 programs here set their income limit as a share of Prince William County’s area median income, adjusted for household size. See the published limits for Prince William County
Free help nearbyFree help near Gainesville
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Gainesville questions
Does Gainesville have its own down payment program?
No program run for Gainesville alone is listed. A home in Gainesville can use the 3 programs that cover Prince William County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gainesville?
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 Prince William County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Prince William 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 Gainesville?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Gainesville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
20155 · 20156
Nearby in Prince William
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.