Forgivable loan
Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro
First-time homebuyers · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Staunton County
Buying a home in Staunton, VA
2 Staunton programs and 8 statewide.Staunton 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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Staunton’s own programs
First mortgage
Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
The Staunton marketThe Staunton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Staunton
- 71.4% single-familysingle-family
- 3.7% townhousetownhouse
- 8% 2–4 units2–4 units
- 16.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. 1 of Staunton’s 2 local and county programs accept condos. Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Staunton’s homes were built
pre-19401970s2020+
78.4%
of Staunton 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.
$65,581
Staunton median household incomeMedian household income in Staunton (Census, 2024)
Programs that publish an income limit usually set it as a share of Staunton County’s area median income, adjusted for household size. See the published limits for Staunton County
Free help nearbyFree help near Staunton
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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
Staunton questions
Does Staunton have its own down payment program?
Yes, 2: Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro and Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program. Each is for homes inside Staunton.
Can I use assistance on a condo in Staunton?
1 of Staunton’s 2 local and county programs accept condos. Staunton-Augusta-Waynesboro Habitat for Humanity Homeownership Program 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 Staunton County?
Each program sets its own. Most published limits are a share of HUD’s area median income for Staunton County, adjusted for household size. The published limits page lists each program’s limit.
Where can I take a homebuyer class near Staunton?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
24401 · 24402 · 24407
Nearby in Staunton
Sources
Sources: agency sites (June–July 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–July 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.