Deferred second loan
NRHA HomeNet HOME Program
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Norfolk County
Buying a home in Norfolk, VA
4 Norfolk programs and 7 statewide.Norfolk has 4 programs of its own, and 7 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 Norfolk addresses
Norfolk’s own programs
Deferred second loan
HOME Program
First-time homebuyers · Income limits · Single-family detached, townhomes, condos (must meet HUD HQS)
Deferred second loan
Homeward Norfolk Program
First-time homebuyers · Income limits · Single-family detached, townhomes, condos
Deferred second loan
Virginia Individual Development Accounts (VIDA)
First-time homebuyers · New construction · Income limits · Single-family detached, townhomes, condos (must be primary residence)
The Norfolk marketThe Norfolk housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Norfolk
- 48.9% single-familysingle-family
- 7.5% townhousetownhouse
- 13.7% 2–4 units2–4 units
- 29.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. All 4 of Norfolk’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Norfolk’s homes were built
pre-19401970s2020+
67.4%
of Norfolk 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.
$66,109
Norfolk median household incomeMedian household income in Norfolk (Census, 2024)
Programs that publish an income limit usually set it as a share of Norfolk County’s area median income, adjusted for household size. See the published limits for Norfolk County
Free help nearbyFree help near Norfolk
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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.
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Across Virginia and nationwide
69 statewide & federal programs7 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
Norfolk questions
Does Norfolk have its own down payment program?
Yes, 4: NRHA HomeNet HOME Program, HOME Program, Homeward Norfolk Program and Virginia Individual Development Accounts (VIDA). Each is for homes inside Norfolk.
Can I use assistance on a condo in Norfolk?
All 4 of Norfolk’s local and county programs accept 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 Norfolk County?
Each program sets its own. Most published limits are a share of HUD’s area median income for Norfolk County, adjusted for household size. The published limits page lists each program’s limit.
Where can I take a homebuyer class near Norfolk?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Norfolk. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
23501 · 23502 · 23503 · 23504 · 23505 · 23506 · 23507 · 23508 · 23509 · 23510 · 23511 · 23512 · 23513 · 23514 · 23515 · 23517 · 23518 · 23519 · 23520 · 23521 · 23523 · 23529 · 23530 · 23541 · 23551
Nearby in Norfolk
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.