Housing Counseling

Are you thinking about buying your first home? Or, do you currently own a home but are in danger of foreclosure? We provide free housing counseling services, including:

First-time Homebuyers Education Workshop
Pre-purchase Counseling
Mortgage Default Counseling
Refinancing Assistance

Anyone may participate in the First-Time Homebuyers Education Workshops or receive default counseling and one-on-one pre-purchase counseling.

Attend our latest Housing Counseling workshop!

Have questions?

Check out this Q&A with TAP’s Housing Counselor or contact us: call (540) 283‑4917 or use the contact form below.

Anyone may participate in the First-Time Homebuyers Education Workshops or receive default counseling and one-on-one pre-purchase counseling.

First-time homebuyers interested in downpayment assistance must have an income that is equal to or less than 80% of the Area Median Income. To determine the maximum income for your locality, click the “plus” sign next to the locality where you live. To find out more about the Down Payment Assistance Program call 540.283.4916.

Our housing counseling services are available to residents in the following localities.

Alleghany County and Covington

Persons in Family	Income Limit
1	$41,100
2	$46,950
3	$52,800
4	$58,650
5	$63,350
6	$68,050
7	$72,750
8	$77,450

Bath County

Persons in Family	Income Limit
1	$44,650
2	$51,000
3	$57,400
4	$63,750
5	$68,850
6	$73,950
7	$79,050
8	$84,150

Botetourt County

Persons in Family	Income Limit
1	$48,800
2	$55,800
3	$62,750
4	$69,700
5	$75,300
6	$80,900
7	$86,450
8	$92,050

Craig County

Persons in Family	Income Limit
1	$48,800
2	$55,800
3	$62,750
4	$69,700
5	$75,300
6	$80,900
7	$86,450
8	$92,050

Franklin County

Persons in Family	Income Limit
1	$44,100
2	$50,400
3	$56,700
4	$63,000
5	$68,050
6	$73,100
7	$78,150
8	$83,200

Roanoke County, Roanoke City, and Salem

Persons in Family	Income Limit
1	$48,800
2	$55,800
3	$62,750
4	$69,700
5	$75,300
6	$80,900
7	$86,450
8	$92,050

Rockbridge County, Lexington, and Buena Vista

Persons in Family	Income Limit
1	$44,600
2	$50,950
3	$57,300
4	$63,650
5	$68,750
6	$73,850
7	$78,950
8	$84,050

Note: The data above is effective May 2023. This data may be updated annually. Please verify your eligibility by contacting us using the phone number or email form below. Source: FY 2023 Income Limits Documentation System, U.S. Department of Housing and Urban Development

Request More Information

Total Action for Progress
302 2nd Street SW, Roanoke, VA 24011

540.777.HOPE

Assisting first-time home buyers and helping homeowners in danger of foreclosure.

Housing Counseling

Have questions?

Related Programs

Request More Information