Forgivable loan
Charlotte House Charlotte
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Mecklenburg County
Buying a home in Charlotte, NC
5 Charlotte programs and 6 statewide.Charlotte has 5 programs of its own, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Charlotte addresses
Charlotte’s own programs
Deferred second loan
Doorway to Prosperity
First-time homebuyers · New construction · Income limits · Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied · new and existing homes in Mecklenburg County
First mortgage
Habitat Charlotte Region Homebuyer Program
First-time homebuyers · New construction · Income limits · Single Family
Deferred second loan
HouseCharlotte - Program 1A
First-time homebuyers · Income limits · Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied · new and existing homes within Charlotte city limits
Deferred second loan
HouseCharlotte - Program 1B
First-time homebuyers · Income limits · Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied · new and existing homes within Charlotte city limits
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Davidson. See them 1 program in neighboring cities — for homes inside those cities, not Charlotte
- Davidson — Homebuyer Assistance Program
The Charlotte marketThe Charlotte housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Charlotte
- 51.1% single-familysingle-family
- 9.2% townhousetownhouse
- 3.7% 2–4 units2–4 units
- 34.6% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
Condos count. 4 of Charlotte’s 5 local and county programs accept condos. Habitat Charlotte Region Homebuyer Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Charlotte’s homes were built
pre-19401970s2020+
27.9%
of Charlotte homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$117,400
County area median income, 4 people (HUD)HUD area median income, Mecklenburg County, 4-person household (2026)
$82,068
Charlotte median household incomeMedian household income in Charlotte (Census, 2024)
17 of the 73 programs here set their income limit as a share of Mecklenburg County’s area median income, adjusted for household size. See the published limits for Mecklenburg County
Free help nearbyFree help near Charlotte
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Charlotte questions
Does Charlotte have its own down payment program?
Yes, 5: Charlotte House Charlotte, Doorway to Prosperity, Habitat Charlotte Region Homebuyer Program, HouseCharlotte - Program 1A and HouseCharlotte - Program 1B. Each is for homes inside Charlotte.
Can I use assistance on a condo in Charlotte?
4 of Charlotte’s 5 local and county programs accept condos. Habitat Charlotte Region Homebuyer Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Mecklenburg County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Mecklenburg County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Charlotte?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Charlotte. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28201 · 28202 · 28203 · 28204 · 28205 · 28206 · 28207 · 28208 · 28209 · 28210 · 28211 · 28212 · 28213 · 28214 · 28215 · 28216 · 28217 · 28218 · 28219 · 28220 · 28221 · 28222 · 28223 · 28224 · 28225 · 28226 · 28227 · 28228 · 28229 · 28230 · 28231 · 28232 · 28233 · 28234 · 28235 · 28236 · 28237 · 28240 · 28241 · 28242 · 28243 · 28244 · 28246 · 28247 · 28250 · 28253 · 28254 · 28255 · 28256 · 28258 · 28260 · 28261 · 28262 · 28265 · 28266 · 28269 · 28270 · 28271 · 28272 · 28273 · 28274 · 28275 · 28277 · 28278 · 28280 · 28281 · 28282 · 28283 · 28284 · 28285 · 28286 · 28287 · 28288 · 28289 · 28290 · 28296 · 28297 · 28299
Nearby in Mecklenburg
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.