Deferred second loan
TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program
First-time homebuyers · New construction · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Roanoke County
Buying a home in Roanoke, VA
2 Roanoke programs and 8 statewide.Roanoke has 2 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.
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Only for Roanoke addresses
Roanoke’s own programs
Deferred second loan
Down Payment Assistance (DPA)
First-time homebuyers · Income limits · Single-family detached, townhomes, condos, manufactured housing on permanent foundation (must meet HUD HQS)
The Roanoke marketThe Roanoke housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Roanoke
- 61.7% single-familysingle-family
- 3.4% townhousetownhouse
- 11.8% 2–4 units2–4 units
- 22.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
Condos count. All 2 of Roanoke’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Roanoke’s homes were built
pre-19401970s2020+
77.6%
of Roanoke 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.
$98,500
County area median income, 4 people (HUD)HUD area median income, Roanoke County, 4-person household (2026)
$55,378
Roanoke median household incomeMedian household income in Roanoke (Census, 2024)
16 of the 72 programs here set their income limit as a share of Roanoke County’s area median income, adjusted for household size. See the published limits for Roanoke County
Free help nearbyFree help near Roanoke
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
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
Roanoke questions
Does Roanoke have its own down payment program?
Yes, 2: TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program and Down Payment Assistance (DPA). Each is for homes inside Roanoke.
Can I use assistance on a condo in Roanoke?
All 2 of Roanoke’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 Roanoke County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Roanoke 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 Roanoke?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Roanoke. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
24001 · 24002 · 24003 · 24004 · 24005 · 24006 · 24007 · 24008 · 24009 · 24010 · 24011 · 24012 · 24013 · 24014 · 24015 · 24016 · 24017 · 24018 · 24019 · 24020 · 24022 · 24023 · 24024 · 24025 · 24026 · 24027 · 24028 · 24029 · 24030 · 24031 · 24032 · 24033 · 24034 · 24035 · 24036 · 24037 · 24038 · 24040 · 24042 · 24043 · 24044 · 24045 · 24048 · 24050
Nearby in Roanoke
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.