Are you a first-time homebuyer in North Carolina? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Tar Heel State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Navigate the dynamic real estate market of North Carolina with confidence and uncover the unique opportunities that await you.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Up to 5% of the loan amount can be used for down payment assistance | First time and move-up homebuyers | Forgiveable loan | |
| Up to $8,000 in down payment assistance | First time homebuyers and military veterans | Forgiveable second mortgage with a 0% interest rate | |
| Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers and military veterans | Tax credit |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Gaston | Up to 3.5% of the loan amount can be used for down payment and closing cost assistance | Any homebuyer that can meet income requirements | Forgiveable second mortgage with a 0% interest rate | |
| Gaston | Up to $15,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgiveable loan | |
| Mecklenburg | Up to $15,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgiveable loan | |
| Rowan | Up to $15,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgiveable loan | |
| Cabarrus | Up to $15,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgiveable loan | |
| Union | Up to $15,000 in down payment assistance | Any homebuyer that can meet income requirements | Forgiveable loan | |
| Alexander | Up to $30,000 in down payment assistance | First time homebuyers that can meet income requirements | Not specified | |
| Burke | Up to $30,000 in down payment assistance | First time homebuyers that can meet income requirements | Not specified | |
| Caldwell | Up to $30,000 in down payment assistance | First time homebuyers that can meet income requirements | Not specified | |
| Catawba | Up to $30,000 in down payment assistance | First time homebuyers that can meet income requirements | Not specified | |
| Cumberland | Up to $5,000 in down payment and closing cost assistance | Any homebuyer that can meet income requirements | Forgiveable second mortgage with a 4% interest rate |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Durham | Up to 3% of the loan amount that can be used for down payment assistance | Any homebuyer that can meet income requirements | Forgiveable second mortgage with a 2% interest rate | |
| Charlotte | Up to $22,500 in down payment and closing costs assistance | For law enforcement officers, schoolteachers, paraprofessionals, firefighters, emergency medical technicians, healthcare workers, and other essential workers | Forgiveable loan | |
| Greensboro | Up to $10,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Forgiveable loan with a 0% interest rate | |
| High Point | Up to $5,000 towards down payment and closing cost assistance | Homebuyers buying within High Point city limits and can meet income requirements | Deferred loan with a 3% interest rate | |
| High Point | Up to $5,000 towards down payment and closing cost assistance | Any homebuyer buying within Core City or Springbrook Meadows | Forgiveable loan with a 0% interest rate |
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