All Homebuyer Programs

Program Level

Assistance Type

Showing 22 programs

Name	Level	Type	Amount
Community Partners Loan Pool (CPLP)	State	Deferred Loan	Up to 25% of the sales price, maximum $50,000
Doorway to Prosperity	City	Forgivable Loan	$7,500 to $95,000 in combined down payment and closing cost assistance (amount varies by neighborhood and income tier)
Durham Down Payment Assistance Program	City	Forgivable Loan	Up to $80,000
FHA Loans	Federal	Government-Insured Mortgage	Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
Good Neighbor Next Door (HUD)	Federal	Government Property Sale Program	50% discount off the list price of HUD-owned homes
Greensboro #100Homes Program	City	Forgivable Loan	Up to $20,000 (up to $25,000 in redevelopment areas)
Greensboro Homebuyer Assistance Program	City	Forgivable Loan	Up to $25,000 (up to $30,000 in redevelopment areas)
Greensboro Public Service Heroes Program	City	Forgivable Loan	Up to $20,000 (up to $30,000 in redevelopment areas)
Habitat Charlotte Region Homebuyer Program	Nonprofit	Zero-Interest Loan	Affordable home with 0% interest mortgage. No traditional down payment — sweat equity (200-400 hours) substitutes for down payment.
Habitat for Humanity of Wake County Homeownership	Nonprofit	Zero-Interest Loan	Affordable below-market mortgage (Habitat builds/rehabilitates homes and sells at affordable prices)
Home Possible Mortgage (Freddie Mac)	Federal	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
HomeReady Mortgage (Fannie Mae)	Federal	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
House Charlotte Program	City	Forgivable Loan	Up to $10,000 for households at or below 80% AMI; up to $7,500 for households at 80-110% AMI. Up to $17,000 in select high-cost neighborhoods.
HUD $100 Down Program	Federal	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.
NC 1st Home Advantage Down Payment	State	Forgivable Loan	$15,000
NC Home Advantage Mortgage	State	Deferred Loan	Up to 5% of the loan amount
Raleigh Enhanced Homebuyer Assistance Program	City	Zero-Interest Loan	Between $45,000 and $60,000
Raleigh Traditional Homebuyer Assistance Program	City	Zero-Interest Loan	Up to $45,000
Self-Help Loan Pool (SHLP)	State	Zero-Interest Loan	Up to $50,000 (max $35,000 if home is within one of 24 CDBG Entitlement Cities in NC)
USDA Rural Development Loans	Federal	Government-Guaranteed Mortgage	100% financing (no down payment required); loan amount up to appraised value
VA Loans	Federal	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)
Wake County Affordable Homeownership Program	County	Forgivable Loan	Up to $50,000

Community Partners Loan Pool (CPLP)

StateDeferred LoanUp to 25% of the sales price, maximum $50,000

Doorway to Prosperity

CityForgivable Loan$7,500 to $95,000 in combined down payment and closing cost assistance (amount varies by neighborhood and income tier)

Durham Down Payment Assistance Program

CityForgivable LoanUp to $80,000

FHA Loans

FederalGovernment-Insured MortgageUp to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)

Good Neighbor Next Door (HUD)

FederalGovernment Property Sale Program50% discount off the list price of HUD-owned homes

Greensboro #100Homes Program

CityForgivable LoanUp to $20,000 (up to $25,000 in redevelopment areas)

Greensboro Homebuyer Assistance Program

CityForgivable LoanUp to $25,000 (up to $30,000 in redevelopment areas)

Greensboro Public Service Heroes Program

CityForgivable LoanUp to $20,000 (up to $30,000 in redevelopment areas)

Habitat Charlotte Region Homebuyer Program

NonprofitZero-Interest LoanAffordable home with 0% interest mortgage. No traditional down payment — sweat equity (200-400 hours) substitutes for down payment.

Habitat for Humanity of Wake County Homeownership

NonprofitZero-Interest LoanAffordable below-market mortgage (Habitat builds/rehabilitates homes and sells at affordable prices)

Home Possible Mortgage (Freddie Mac)

FederalGovernment-Guaranteed MortgageUp to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment

HomeReady Mortgage (Fannie Mae)

FederalGovernment-Guaranteed MortgageUp to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment

House Charlotte Program

CityForgivable LoanUp to $10,000 for households at or below 80% AMI; up to $7,500 for households at 80-110% AMI. Up to $17,000 in select high-cost neighborhoods.

HUD $100 Down Program

FederalFHA-Financed HUD REO PurchaseOnly $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.

NC 1st Home Advantage Down Payment

StateForgivable Loan$15,000

NC Home Advantage Mortgage

StateDeferred LoanUp to 5% of the loan amount

Raleigh Enhanced Homebuyer Assistance Program

CityZero-Interest LoanBetween $45,000 and $60,000

Raleigh Traditional Homebuyer Assistance Program

CityZero-Interest LoanUp to $45,000

Self-Help Loan Pool (SHLP)

StateZero-Interest LoanUp to $50,000 (max $35,000 if home is within one of 24 CDBG Entitlement Cities in NC)

USDA Rural Development Loans

FederalGovernment-Guaranteed Mortgage100% financing (no down payment required); loan amount up to appraised value

VA Loans

FederalGovernment-Guaranteed MortgageNo loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)

Wake County Affordable Homeownership Program

CountyForgivable LoanUp to $50,000