Deferred second loan
James City County First-Time Homebuyer Program
First-time homebuyers · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Williamsburg County
Buying a home in Williamsburg, VA
1 Williamsburg program and 8 statewide.Williamsburg 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.
Find my programs Free · No credit pull · 90 seconds
Only for Williamsburg addresses
Williamsburg’s own program
The Williamsburg marketThe Williamsburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Williamsburg
- 42.3% single-familysingle-family
- 16.8% townhousetownhouse
- 14% 2–4 units2–4 units
- 26.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Williamsburg’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Williamsburg’s homes were built
pre-19401970s2020+
38.1%
of Williamsburg 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.
$75,604
Williamsburg median household incomeMedian household income in Williamsburg (Census, 2024)
Programs that publish an income limit usually set it as a share of Williamsburg County’s area median income, adjusted for household size. See the published limits for Williamsburg County
Free help nearbyFree help near Williamsburg
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Williamsburg’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.James City County First-Time Homebuyer Program 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
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
Williamsburg questions
Does Williamsburg have its own down payment program?
Yes, one: James City County First-Time Homebuyer Program, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Williamsburg.
Can I use assistance on a condo in Williamsburg?
Williamsburg’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 Williamsburg County?
Each program sets its own. Most published limits are a share of HUD’s area median income for Williamsburg County, adjusted for household size. The published limits page lists each program’s limit.
Where can I take a homebuyer class near Williamsburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Williamsburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
23185 · 23186 · 23187 · 23188
Nearby in Williamsburg
Sources
Sources: agency sites (June–August 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–August 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.