See programs you qualify for
Get Matched Free →Bernalillo County Down Payment Assistance (Unincorporated Areas)
Funding status: Active
How much assistance
$20,000 in additional down payment assistance for buyers in unincorporated Bernalillo County
Forgiveness and repayment terms set by Bernalillo County Housing Department; verify current rules with the County.
Eligibility
- Income limits: Targeted to low- and moderate-income households. Verify current AMI tiers with Bernalillo County Housing.
- First-time buyer required: Yes — A first-time homebuyer is anyone who has not owned and occupied a primary residence in the past three years.
- Geographic restrictions: Property must be located in the unincorporated portions of Bernalillo County (such as the South Valley CDP). Homes within the City of Albuquerque limits are NOT eligible.
- Homebuyer education required: Yes
How to Apply for Bernalillo County Down Payment Assistance (Unincorporated Areas)
Contact the Bernalillo County Housing Department at (505) 314-0200 or visit 2400 Wellesley Dr., Suite 100, Albuquerque, NM 87107. Confirm the property is in unincorporated Bernalillo County before applying. Complete homebuyer education through Housing NM, USBC, or another HUD-approved counselor, then submit a county application alongside your Housing NM lender package.
Notes
This program is exclusive to homes in unincorporated Bernalillo County and is offered as an additional layer on top of the Housing NM (MFA) stack. Buyers in incorporated cities like Albuquerque or Rio Rancho are not eligible. Verify exact program amount, AMI requirements, and forgiveness terms with Bernalillo County Housing Department.