Deferred second loan
Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance
First-time homebuyers · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Scott County
Buying a home in Gate City, VA
1 Gate City program and 8 statewide.Gate City has 1 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.
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Only for Gate City addresses
Gate City’s own program
The Gate City marketThe Gate City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gate City
- 77.4% single-familysingle-family
- 0% townhousetownhouse
- 4.4% 2–4 units2–4 units
- 9.9% 5+ unitscondo & apartment buildings (5+ units)
- 8.4% mobile & othermobile home & other
Condos count. Gate City’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gate City’s homes were built
pre-19401970s2020+
68.4%
of Gate City 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.
$81,800
County area median income, 4 people (HUD)HUD area median income, Scott County, 4-person household (2026)
$42,857
Gate City median household incomeMedian household income in Gate City (Census, 2024)
15 of the 71 programs here set their income limit as a share of Scott County’s area median income, adjusted for household size. See the published limits for Scott County
Free help nearbyFree help near Gate City
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Gate City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance 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
Gate City questions
Does Gate City have its own down payment program?
Yes, one: Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance, a deferred second loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Gate City.
Can I use assistance on a condo in Gate City?
Gate City’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Scott County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Scott 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 Gate City?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Gate City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
24251
Nearby in Scott
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.