Programs by situationPrograms by situation · North Carolina
11 programs name teachers and school staff: 6 city, 2 county programs, 3 statewide.11 programs in North Carolina name teachers and school staff among the groups they serve: 6 run by a city, 2 run by a county and 3 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a teacher puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a teacher gets a program onto this list; it does not decide whether you can use it.
The 11 programs, closest first
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in North Carolina. Listed A–Z within each group, not ranked.
Forgivable loan · Income limit 120% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Forgivable loan · First-time homebuyers · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Deferred second loan · First-time homebuyers · Income limit 120% of area median income
Names: teachers, first responders and healthcare workers · Homebuyer class required
See details →Forgivable loan · First-time homebuyers · Income limit 120% of area median income
Names: teachers, first responders and healthcare workers · Homebuyer class required
See details →Deferred second loan · First-time homebuyers · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Deferred second loan · First-time homebuyers · Income limit 110% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Forgivable loan · First-time homebuyers · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Forgivable loan · First-time homebuyers · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →Forgivable loan
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders and healthcare workers · Homebuyer class required
See details →First mortgage · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders, healthcare workers and first-generation homebuyers · No homebuyer class in the record
See details →What to know
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
ask for a homebuyer education class.
are limited to first-time homebuyers, as each program defines it.
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in North CarolinaFree help in North Carolina
10 of 11 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.10 of 11 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a teacher. Create a free account to see who’s near you.
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By loan type
No. These programs name teachers and school staff in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
A nationwide program is not one of North Carolina’s own, so it is listed below the 11 North Carolina programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (July–September 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.