Is there down payment assistance in North Carolina?

Yes. 16 down payment assistance programs are listed for North Carolina: 7 statewide and 8 county or city programs, plus national options that apply everywhere.

What is the largest down payment grant listed for North Carolina?

The largest listed grant amount for North Carolina is $20,000. Amounts and eligibility vary by program and are not a quote or approval.

Down payment assistance in North Carolina

16 programs are listed for North Carolina: grants, forgivable loans, deferred seconds, first mortgage products and tax credits from state, county, city, tribal, regional and lender and employer providers. Every amount and rule below comes from the provider’s published terms.

Programs

Statewide

County and city

$20,000

Largest listed grant

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Statewide programs

NC Home Advantage

Deferred 2nd 0% 30-yr · Up to $30,000 · North Carolina Housing Finance Agency
NC 1st Home Advantage Down Payment

Grant · Up to $20,000 · NCHFA
NC Home Advantage Tax Credit

MCC · Up to $2,500 · NCHFA
NC Home Advantage Mortgage

forgivable_loan · Up to 3% · North Carolina Housing Finance Agency (NCHFA)
Community Partners Loan Pool (CPLP)

deferred_loan · Up to $50,000 or Up to 25% · North Carolina Housing Finance Agency (NCHFA)
NC Home Advantage Tax Credit (MCC)

mortgage_credit_certificate · Up to $2,000 · North Carolina Housing Finance Agency (NCHFA)
FHLBank Atlanta First-time Homebuyer Product + Community Partners

grant · Up to $20,000 · Federal Home Loan Bank of Atlanta

County and city programs

City of Raleigh Homebuyer Assistance Program

deferred_loan · Up to $65,000 · City of Raleigh Department of Housing & Neighborhoods
Housing Connect GSO Homebuyer Down Payment Assistance

forgivable_loan · Up to $15,000 · City of Greensboro
City of Winston-Salem Homebuyer Assistance Program

deferred_loan · Up to $14,800 or Up to 20% · City of Winston-Salem
City of Durham Down Payment Assistance Program

deferred_loan · Up to $30,000 · City of Durham Department of Community Development
Wake County Affordable Homeownership Program

forgivable_loan · Up to $50,000 · Wake County (admin: DHIC)
Forsyth County Affordable Homeownership Opportunity Program (AHOP HOME)

deferred_loan · Amount varies by program · Forsyth County Community & Economic Development
Eastern Band of Cherokee Indians - Cherokee Indian Housing Division

deferred_loan · Amount varies by program · Eastern Band of Cherokee Indians (EBCI)
NC SECU Down Payment Grant Programs (via FHLB Atlanta)

grant · Up to $20,000 · State Employees' Credit Union of North Carolina (SECU)

Multi-state programs covering North Carolina

FHLB Atlanta First-Time Homebuyer

Grant · Up to $15,000 · FHLB Atlanta

National programs

38 federal and national programs apply in every state. See the national programs.

Find your North Carolina match

Tell Cal how to reach you and a licensed loan officer will narrow these 16 programs to the ones your income, county, and credit actually fit. No spam, no list-selling.