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Habitat Charlotte Region Homebuyer Program

Administered by:
Habitat for Humanity of the Charlotte Region
 · Nonprofit · Zero-Interest Loan
Funding status: Active

How much assistance

Affordable home with 0% interest mortgage. No traditional down payment — sweat equity (200-400 hours) substitutes for down payment.
Not a forgivable loan. 0% interest mortgage with affordable monthly payments (typically 25-30% of gross household income). Full repayment required over loan term.

Eligibility

  • Income limits: Household income between $45,000 minimum and 80% AMI maximum for Mecklenburg County
  • First-time buyer required: No
  • Geographic restrictions: Charlotte region (Mecklenburg County and surrounding areas served by Habitat Charlotte Region)
  • Homebuyer education required: Yes

Free eligibility check

Check if you qualify for Habitat Charlotte Region Homebuyer Program

  • Free
  • No credit check
  • Takes 2 minutes

Are you a first-time homebuyer?

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Free eligibility check

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How soon are you looking to buy?

Within 30 days1–3 months3–6 months6–12 monthsJust researching
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Learn More About Homebuying Assistance

Cities Where This Program Is Available (3 cities across 1 state)

North Carolina (3 cities)