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Community Partners Loan Pool (CPLP)

Administered by:

NC Housing Finance Agency (NCHFA), administered through local nonprofit and government community partners

· State · Deferred Loan

Funding status: Active

How much assistance

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

0% interest deferred subordinate loan. Term matches the first mortgage term. Repaid when home is sold or at end of loan term. Some sources indicate forgiveness at 20% per year at years 11-15; others describe it as a balloon deferred for life of first mortgage. Verify with NCHFA.

Eligibility

Income limits: Household income at or below 80% of Area Median Income (AMI) for the county of purchase. Varies by county and household size.
First-time buyer required: No
Geographic restrictions: Must purchase in North Carolina; property must meet county-specific price limits; available only through participating CPLP community partners (e.g., DreamKey Partners in Charlotte, DHIC in Raleigh)
Homebuyer education required: Yes

Free eligibility check

Check if you qualify for Community Partners Loan Pool (CPLP)