Down payment assistance · Macon County
Buying a home in Franklin, NC
6 statewide.Franklin has no program of its own, and 6 statewide. Here is what each one offers, and who near you can walk you through it.
What’s local to Franklin
No program of Franklin’s own yet
No program run for Franklin or for Macon County alone is listed. A home in Franklin can use the North Carolina statewide and federal programs below.
The closest city that runs its own program is Gastonia, about 124 miles away. City programs usually require the home to be inside that city’s limits.
Income limits in Macon County
How programs here set their income limits
12 of the 68 programs here set their income limit as a share of Macon County’s area median income, adjusted for household size. See the published limits for Macon County
Free help nearbyFree help near Franklin
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Franklin questions
Does Franklin have its own down payment program?
No program run for Franklin alone is listed. A home in Franklin can use the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Franklin?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Macon County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Macon 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 Franklin?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28734 · 28744
Sources
Sources: agency sites (July–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.