Deferred second loan
Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)
First-time homebuyers · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Halifax County
Buying a home in South Boston, VA
1 South Boston program and 8 statewide.South Boston 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 South Boston addresses
South Boston’s own program
The South Boston marketThe South Boston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in South Boston
- 67.9% single-familysingle-family
- 5% townhousetownhouse
- 11% 2–4 units2–4 units
- 12.5% 5+ unitscondo & apartment buildings (5+ units)
- 3.5% mobile & othermobile home & other
Condos count. South Boston’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When South Boston’s homes were built
pre-19401970s2020+
75%
of South Boston 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.
$77,700
County area median income, 4 people (HUD)HUD area median income, Halifax County, 4-person household (2026)
$44,052
South Boston median household incomeMedian household income in South Boston (Census, 2024)
15 of the 71 programs here set their income limit as a share of Halifax County’s area median income, adjusted for household size. See the published limits for Halifax County
Free help nearbyFree help near South Boston
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
South Boston’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA) 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
South Boston questions
Does South Boston have its own down payment program?
Yes, one: Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA), a deferred second loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside South Boston.
Can I use assistance on a condo in South Boston?
South Boston’s one local program accepts 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 Halifax County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Halifax 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 South Boston?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of South Boston. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
24592
Nearby in Halifax
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.