Down-payment assistance
Hanover & King William Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Hanover County
Buying a home in Mechanicsville, VA
1 Mechanicsville program and 8 statewide.Mechanicsville 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 Mechanicsville addresses
Mechanicsville’s own program
The Mechanicsville marketThe Mechanicsville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Mechanicsville
- 80.2% single-familysingle-family
- 5.4% townhousetownhouse
- 1.5% 2–4 units2–4 units
- 12.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
About condos. Mechanicsville’s one local program does not list condos as eligible. Hanover & King William Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Mechanicsville’s homes were built
pre-19401970s2020+
30.9%
of Mechanicsville 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.
$113,500
County area median income, 4 people (HUD)HUD area median income, Hanover County, 4-person household (2026)
$98,595
Mechanicsville median household incomeMedian household income in Mechanicsville (Census, 2024)
14 of the 71 programs here set their income limit as a share of Hanover County’s area median income, adjusted for household size. See the published limits for Hanover County
Free help nearbyFree help near Mechanicsville
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies 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.
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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
Mechanicsville questions
Does Mechanicsville have its own down payment program?
Yes, one: Hanover & King William Habitat for Humanity Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Mechanicsville.
Can I use assistance on a condo in Mechanicsville?
Mechanicsville’s one local program does not list condos as eligible. Hanover & King William Habitat for Humanity Homeownership Program lists single family. 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 Hanover County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Hanover 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 Mechanicsville?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Mechanicsville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
23111 · 23116
Nearby in Hanover
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.