Deferred second loan
Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program
First-time homebuyers · Income limits
Down payment assistance · Winchester County
Buying a home in Winchester, VA
1 Winchester program and 8 statewide.Winchester 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 Winchester addresses
Winchester’s own program
The Winchester marketThe Winchester housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Winchester
- 57.1% single-familysingle-family
- 10.3% townhousetownhouse
- 8.4% 2–4 units2–4 units
- 24% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Winchester’s homes were built
pre-19401970s2020+
63%
of Winchester 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.
$63,974
Winchester median household incomeMedian household income in Winchester (Census, 2024)
Programs that publish an income limit usually set it as a share of Winchester County’s area median income, adjusted for household size. See the published limits for Winchester County
Free help nearbyFree help near Winchester
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Winchester’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance 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.
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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
Winchester questions
Does Winchester have its own down payment program?
Yes, one: Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Winchester.
Can I use assistance on a condo in Winchester?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Winchester County?
Each program sets its own. Most published limits are a share of HUD’s area median income for Winchester County, adjusted for household size. The published limits page lists each program’s limit.
Where can I take a homebuyer class near Winchester?
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
22601 · 22602 · 22603 · 22604 · 22638
Nearby in Winchester
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.