Wilmington HOP 2gether

Administered by: City of Wilmington Community Development & Housing Division · City · Deferred Loan

Funding status: Active

How much assistance

Up to $25,000 (Deferred Loan)

Deferred, zero-interest second mortgage paired with NC Home Advantage Mortgage or USDA Section 502 Loan.

Eligibility

  • Income limits: At or below 60% of Area Median Income (AMI) for New Hanover County
  • First-time buyer required: Yes — Must not have owned a home previously.
  • Geographic restrictions: Must purchase within Wilmington city limits.
  • Homebuyer education required: Yes

How to Apply for Wilmington HOP 2gether

Step 1: Call the City of Wilmington Housing Division at 910-341-7836 to enroll. The program is a year-long pathway that provides financial coaching, credit counseling, and homebuyer education to help participants become mortgage-ready.

Visit program website

Notes

Year-long program for first-time buyers at 60% AMI or below. Must be paired with NC Home Advantage Mortgage or USDA Section 502 Loan.

Cities Where This Program Is Available

Available Statewide In