See programs you qualify for

Raleigh Traditional Homebuyer Assistance Program

Administered by:

City of Raleigh Housing and Neighborhoods (administered by DHIC, Inc.)

· City · Zero-Interest Loan

Funding status: Active

How much assistance

Up to $45,000

Deferred — no payments due until home is sold, transferred, or no longer primary residence. 10-year deed restriction limits sales proceeds if sold within 10 years.

Eligibility

Income limits: At or below 80% AMI for Wake County. 1-person: $63,350; 2-person: $72,400; 3-person: $81,450; 4-person: $90,650; 5-person: $97,900 (2025 HUD guidelines).
Purchase price limit: $384,750
First-time buyer required: Yes — Have not owned a home as primary residence in the past 3 years (HUD definition)
Geographic restrictions: Must purchase within Raleigh city limits. Eligible property types: single-family homes, townhomes, or condominiums.
Homebuyer education required: Yes