See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated October 18, 2026

Homebuyer Programs in High Point, NC (2026)

Population: 118,500 | Median home price: $260,000 | Est. closing costs: $5,000 - $8,000

High Point, North Carolina is the state's ninth-largest city and a major hub in the Piedmont Triad, known as the Furniture Capital of the World with a median home price around $260,000. The city offers its own homebuyer programs including the High Point City-Wide Homebuyer Assistance Program with up to $7,500 in forgivable loans for low-to-moderate income buyers, and the High Point Core City Homebuyer Incentive Program offering up to $5,000 with no income restrictions for purchases in the Core City area. Buyers also benefit from the Guilford County Homebuyer Down Payment Assistance Program, the Housing Consultants Group IDA matched savings program with up to $2,000, and statewide programs like the NC 1st Home Advantage Down Payment providing up to $15,000. By combining city, county, and state programs, High Point homebuyers can potentially stack significant assistance to make homeownership more affordable.

City Programs in High Point

Program Name	Type	Amount	First-Time Only	Details
High Point City-Wide Homebuyer Assistance Program	Forgivable Loan	Up to $7,500	Yes	View →
High Point Core City Homebuyer Incentive Program	Forgivable Loan	Up to $5,000	No	View →
High Point Housing Authority HCV Homeownership Program	Grant	Monthly mortgage subsidy (same as rental voucher amount)	Yes	View →

High Point City-Wide Homebuyer Assistance Program

Type:: Forgivable Loan
Amount:: Up to $7,500
First-time only:: Yes

High Point Core City Homebuyer Incentive Program

Type:: Forgivable Loan
Amount:: Up to $5,000
First-time only:: No

High Point Housing Authority HCV Homeownership Program

Type:: Grant
Amount:: Monthly mortgage subsidy (same as rental voucher amount)
First-time only:: Yes

County Programs in Guilford County

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 →

Guilford County Homebuyer Down Payment Assistance Program

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 →
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+	Grant	Up to $15,000 in home purchase assistance for down payment and closing costs	No	View →
NC 1st Home Advantage Down Payment	Forgivable Loan	$15,000	Yes	View →
NC Home Advantage Mortgage	Deferred Loan	Up to 3% 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 →

Community Partners Loan Pool (CPLP)

Type:: Deferred Loan
Amount:: Up to 25% of the sales price, maximum $50,000
First-time only:: No

FHLBA Community Partners Product

Type:: Forgivable Loan
Amount:: Up to $20,000 in home purchase assistance for down payment and closing costs
First-time only:: No

FHLBA First Time Homebuyer Product

Type:: Forgivable Loan
Amount:: Up to $17,500 in home purchase assistance for down payment and closing costs
First-time only:: Yes

FHLBA Workforce Housing Plus+

Type:: Grant
Amount:: Up to $15,000 in home purchase assistance for down payment and closing costs
First-time only:: No

NC 1st Home Advantage Down Payment

Type:: Forgivable Loan
Amount:: $15,000
First-time only:: Yes

NC Home Advantage Mortgage

Type:: Deferred Loan
Amount:: Up to 3% of the loan amount
First-time only:: No

ReBuild NC Homeownership Assistance Program (HAP)

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

Self-Help Loan Pool (SHLP)

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 →
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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 High Point, Archdale & Trinity Homeownership Program	Zero-Interest Loan	Affordable Habitat mortgage with zero-interest 25-year loan	No	View →
Housing Consultants Group IDA Program	Grant	Up to $2,000 in matched savings	Yes	View →
NACA Homebuyer Program	Repayable Loan	No down payment, no closing costs, no fees, plus below-market interest rate mortgage	No	View →

Habitat for Humanity of High Point, Archdale & Trinity Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable Habitat mortgage with zero-interest 25-year loan
First-time only:: No

Housing Consultants Group IDA Program

Type:: Grant
Amount:: Up to $2,000 in matched savings
First-time only:: Yes

NACA Homebuyer Program

Type:: Repayable Loan
Amount:: No down payment, no closing costs, no fees, plus below-market interest rate mortgage
First-time only:: No

Free eligibility check

22 programs available in High Point. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Review income limits for the High Point City-Wide program (very low-to-moderate income, or 80% AMI) and note that the Core City Incentive Program has no income restrictions. Asset limits for city programs are under $20,000.

Step 2: Complete homebuyer education. A minimum of 8 hours of pre-purchase homebuyer education is required. Contact the Housing Consultants Group at (336) 553-0946 ext. 1 for class schedules and enrollment. The Housing Consultants Group is a HUD-approved counseling agency located at 804 Lindsay Street, High Point, NC 27262.

Step 3: Get pre-approved for a mortgage. Work with a participating lender. If applying for the NC Home Advantage Mortgage, use an NCHFA-approved lender to access up to $15,000 in state down payment assistance. You'll need a credit score of at least 640 for state programs.

Step 4: Contact the City of High Point Affordable Housing Division at (336) 553-0946 to discuss which city programs fit your situation and begin the application process. You must invest a minimum of $500 toward the purchase for the City-Wide program.

Step 5: Find a home within program limits. For the City-Wide program, the home must be within High Point city limits and meet minimum housing code requirements. For the Core City Incentive, the home must be in the defined Core City area or Springbrook Meadows with a sales price under $200,000.

Step 6: Submit your application and complete the environmental review process. The city will process your application and coordinate loan closing with your lender. Expect the review process to take several weeks.

Frequently Asked Questions

How much down payment assistance can I get in High Point?+

High Point buyers can potentially combine multiple programs. The High Point City-Wide Homebuyer Assistance Program offers up to $7,500, the Core City Homebuyer Incentive Program offers up to $5,000 for purchases in the Core City area, and the Guilford County Homebuyer Down Payment Assistance Program provides additional support. At the state level, the NC 1st Home Advantage Down Payment offers up to $15,000. The Housing Consultants Group IDA Program also provides up to $2,000 in matched savings. By stacking eligible programs, buyers could access substantial assistance.

Do I have to be a first-time homebuyer to qualify?+

It depends on the program. The High Point City-Wide Homebuyer Assistance Program and the NC 1st Home Advantage Down Payment require first-time buyer status (or military veteran status for the state program). However, the High Point Core City Homebuyer Incentive Program does not require first-time buyer status and is open to all income levels. The Guilford County program also serves first-time buyers.

What is the maximum home price for High Point programs?+

The High Point Core City Homebuyer Incentive Program has a purchase price limit of $200,000 and is restricted to the Core City area. The City-Wide program does not list a specific price cap but requires the home to be within High Point city limits and meet housing code requirements. For state programs, the NC Home Advantage Mortgage has no NCHFA purchase price limit (the loan type's limits apply), while the $15,000 NC 1st Home Advantage has county-based limits.

What homebuyer education is required?+

A minimum of 8 hours of pre-purchase homebuyer education is required for High Point city programs. The Housing Consultants Group, a HUD-approved counseling agency located at 804 Lindsay Street in High Point, offers homebuyer education courses and financial literacy training. Contact them at (336) 553-0946 ext. 1 for class schedules.

What is the Core City area in High Point?+

The Core City is a defined geographic area within High Point that the city has designated for revitalization and investment. The Core City Homebuyer Incentive Program encourages homebuyers of all income levels to purchase homes in this area by offering up to $5,000 in forgivable assistance. The Springbrook Meadows neighborhood is also included. Contact the City of High Point Affordable Housing Division at (336) 553-0946 for a map of the Core City boundaries.

Can I use the High Point Housing Authority voucher to buy a home?+

Yes. The High Point Housing Authority HCV Homeownership Program allows current Housing Choice Voucher participants who have been in the program for at least one year to use their voucher toward monthly mortgage payments instead of rent. This converts your rental subsidy into a homeownership mortgage subsidy. Contact the Homeownership Coordinator at (336) 878-2300 for details.