Down payment assistance · North Carolina

Buying a home in North Carolina

80 programs: 6 statewide, the rest run by counties and 19 cities. What you can use depends on where the home is.80 programs across North Carolina: 6 statewide, the rest run by counties and 19 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Guilford	6	$259,900	$91,500	See Guilford
Mecklenburg	5	$406,800	$117,400	See Mecklenburg
Wake	5	$461,300	$132,300	See Wake
New Hanover	4	$387,800	$109,200	See New Hanover
All 100 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July–September 2026.

Anywhere in North Carolina

6 statewide programs

Up to $15,000

NC 1st Home Advantage Down Payment

Deferred second loan · Forgiven over 15 yrs · Income limits · First-time · Veterans · Educators

See details

Up to $2,500

Down Payment Assistance

Assistance grant · New construction · Income limits · First-time · Veterans

See details

Deferred

Community Partners Loan Pool (CPLP)

Deferred second loan · New construction · Income limits · Veterans

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

63 HUD-approved counseling agencies in North Carolina63 HUD-approved housing counseling agencies in North Carolina

3 of the 6 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.3 of the 6 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in North CarolinaArea median income for all 100 counties, and the limit each program sets.See the limits

North Carolina questions

What is NC 1st Home Advantage Down Payment?

NC 1st Home Advantage Down Payment, a deferred second loan for first-time homebuyers (forgiven over 15 yrs, income limits), open anywhere in North Carolina. Its page has the details and a link to the official site.

Which North Carolina counties run their own programs?

24 counties of 100 have a county or city program listed, among them Guilford, Mecklenburg, Wake and New Hanover. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in North Carolina?

Many programs ask for one. 3 of the 6 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a North Carolina condo?

5 of the 6 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.

19 North Carolina cities with their own program