See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 21, 2026
Homebuyer Programs in Greensboro, NC (2026)
Greensboro, North Carolina is the third-largest city in the state with a population of over 313,000 and a median home price of $295,000. First-time homebuyers in Greensboro have access to several layers of assistance. The Greensboro Homebuyer Assistance Program through Housing Connect GSO provides up to $25,000 in forgivable loans for buyers at or below 80% AMI, with an additional $5,000 bonus in designated redevelopment areas. Moderate-income buyers between 80% and 120% AMI may qualify for up to $20,000 through the #100Homes or Public Service Heroes offerings. The Guilford County Homebuyer Down Payment Assistance Program offers additional forgivable loan funds that cannot exceed 20% of the purchase price. Habitat for Humanity of Greater Greensboro provides zero-interest mortgages for families between 30% and 75% AMI. Buyers can also stack local programs with statewide options like the NC Home Advantage Mortgage and NC 1st Home Advantage Down Payment for up to $15,000 more, potentially combining tens of thousands of dollars in total assistance.
City Programs in Greensboro
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Greensboro #100Homes Program | Forgivable Loan | Up to $20,000 (up to $25,000 in redevelopment areas) | Yes | View → |
| Greensboro Homebuyer Assistance Program | Forgivable Loan | Up to $25,000 (up to $30,000 in redevelopment areas) | Yes | View → |
| Greensboro Public Service Heroes Program | Forgivable Loan | Up to $20,000 (up to $30,000 in redevelopment areas) | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 (up to $25,000 in redevelopment areas)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $25,000 (up to $30,000 in redevelopment areas)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 (up to $30,000 in redevelopment areas)
- First-time only:
- Yes
County Programs in Guilford
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Guilford County Homebuyer Down Payment Assistance Program | Forgivable Loan | Minimum $1,000; cannot exceed 20% of the purchase price | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Minimum $1,000; cannot exceed 20% of the purchase price
- First-time only:
- Yes
State Programs in North Carolina
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Community Partners Loan Pool (CPLP) | Deferred Loan | Up to 25% of the sales price, maximum $50,000 | No | View → |
| NC 1st Home Advantage Down Payment | Forgivable Loan | $15,000 | Yes | View → |
| NC Home Advantage Mortgage | Deferred Loan | Up to 5% of the loan amount | No | View → |
| ReBuild NC Homeownership Assistance Program (HAP) | Forgivable Loan | Up to $30,000 in down payment assistance plus up to 5% of sales price for closing costs | Yes | View → |
| Self-Help Loan Pool (SHLP) | Zero-Interest Loan | Up to $50,000 (max $35,000 if home is within one of 24 CDBG Entitlement Cities in NC) | No | View → |
- Type:
- Deferred Loan
- Amount:
- Up to 25% of the sales price, maximum $50,000
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- $15,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to 5% of the loan amount
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $30,000 in down payment assistance plus up to 5% of sales price for closing costs
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Up to $50,000 (max $35,000 if home is within one of 24 CDBG Entitlement Cities in NC)
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of Greater Greensboro Homeownership Program | Zero-Interest Loan | Affordable Habitat mortgage with no down payment required | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable Habitat mortgage with no down payment required
- First-time only:
- No
How to Apply
Check your eligibility. The Greensboro Homebuyer Assistance Program requires household income at or below 80% AMI for the base tier (up to $25,000), while the #100Homes and Public Service Heroes tiers serve buyers between 80% and 120% AMI. The Guilford County program also requires income at or below 80% AMI. Review each program's requirements to find the best fit.
Complete homebuyer education. Most programs require a HUD-approved homebuyer education course. Housing Consultants Group offers an 8-hour course covering budgeting, financing, and the homebuying process. Contact them at (336) 553-0946, ext. 101 to register. Your certificate is valid for one year.
Meet with a HUD-approved housing counselor. A counselor can help you understand which programs you qualify for and guide you through stacking city, county, and state assistance. Housing Consultants Group provides free counseling at (336) 553-0946, ext. 101. For Habitat for Humanity, call 336-232-0145 to attend an information session.
Get pre-approved for a mortgage. Contact an NCHFA-approved lender to find out how much you can borrow and which assistance programs they participate in. If combining with the NC Home Advantage Mortgage, a minimum credit score of 640 is required.
Find a home that meets program requirements. City programs require the home to be within Greensboro city limits and used as your primary residence. The Guilford County program covers homes anywhere in Guilford County. Your real estate agent and lender can help you stay within program limits.
Apply for assistance through your lender. Once you have a home under contract, your lender will submit applications for the programs you qualify for. For the Guilford County program, contact Housing Consultants Group at 336-850-4040. Funds are awarded on a first-come, first-served basis, so start pre-approval early to avoid delays at closing.