Down payment assistance · Richmond County
5 Richmond programs and 8 statewide.Richmond has 5 programs 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.
Only for Richmond addresses
First-time homebuyers · Income limits · Single-family detached (one unit) · Duplex/Triplex/Fourplex (assisted unit individually sold and deeded, owner-occupied) · Townhome
First-time homebuyers · New construction · Income limits · Single-family detached · Townhouse · Condominium
New construction · Income limits · Single Family · Townhouse
New construction · Income limits · Single Family
First-time homebuyers · Income limits · Single Family
The Richmond marketThe Richmond housing market
Condos count. 2 of Richmond’s 5 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
70.9%
of Richmond 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.
19 of the 75 programs here set their income limit as a share of Richmond County’s area median income, adjusted for household size. See the published limits for Richmond County
Free help nearbyFree help near Richmond
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 5 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.
Free account → 90-second match → your counselors · Sign in
Across Virginia and nationwide
Yes, 5: HOME of Virginia HOMEownership Down Payment & Closing Cost Assistance Program, HOME Homeownership Program, Maggie Walker Community Land Trust Homeownership Program, Richmond Metropolitan Habitat for Humanity Homeownership Program and RRHA Homeownership Programs (ComeHome / Neighborhood Homeownership Initiative / Greenwalk). Each is for homes inside Richmond.
2 of Richmond’s 5 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.
Each program sets its own. 19 of the programs here set theirs as a share of HUD’s area median income for Richmond County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Richmond. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
23218 · 23219 · 23220 · 23221 · 23222 · 23223 · 23224 · 23225 · 23226 · 23227 · 23228 · 23229 · 23230 · 23231 · 23232 · 23233 · 23234 · 23235 · 23236 · 23237 · 23238 · 23240 · 23241 · 23242 · 23249 · 23250 · 23255 · 23260 · 23261 · 23266 · 23269 · 23270 · 23272 · 23273 · 23274 · 23275 · 23276 · 23278 · 23279 · 23280 · 23282 · 23284 · 23285 · 23286 · 23288 · 23289 · 23290 · 23291 · 23292 · 23293 · 23294 · 23295 · 23297 · 23298
Nearby in Richmond
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.