New River Home Trust (Community Land Trust)
Shared-appreciation loan · New construction · Income limits
Down payment assistance · Montgomery County
Buying a home in Plum Creek, VA
1 county program and 8 statewide.Plum Creek has no program of its own, 1 across Montgomery 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 Plum Creek
No program of Plum Creek’s own yet
No program run for Plum Creek alone is listed. A home in Plum Creek can use Montgomery County’s programs below, plus the Virginia statewide and federal ones.
The closest city that runs its own program is Danville, about 72 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontgomeryAnywhere in Montgomery County
1 county program1 county program a Plum Creek homebuyer can use
The Plum Creek marketThe Plum Creek housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Plum Creek
- 65.6% single-familysingle-family
- 0% townhousetownhouse
- 5.1% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 29.3% mobile & othermobile home & other
About condos. Plum Creek’s one local program does not list condos as eligible. New River Home Trust (Community Land Trust) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Plum Creek’s homes were built
pre-19401970s2020+
59.8%
of Plum Creek 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.
$119,600
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$41,603
Plum Creek median household incomeMedian household income in Plum Creek (Census, 2024)
15 of the 71 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Plum Creek
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Plum Creek’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.New River Home Trust (Community Land Trust) 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
Plum Creek questions
Does Plum Creek have its own down payment program?
No program run for Plum Creek alone is listed. A home in Plum Creek can use the 1 program that cover Montgomery County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Plum Creek?
Plum Creek’s one local program does not list condos as eligible. New River Home Trust (Community Land Trust) 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 Montgomery County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Plum Creek?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Plum Creek. Create a free account and take the 90-second match to see the ones near you.
Nearby in Montgomery
Sources
Sources: agency sites (June–August 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–August 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.