Greenville · Pitt County
Affordable Housing 10% Loan Assistance Program
Deferred second loan · 140% of area median income
Programs by loan typePrograms by loan type · North Carolina
Down payment assistance you can pair with a conventional loan in North Carolina
36 programs name conventional loans: 21 city, 10 county or regional, 5 statewide.36 programs in North Carolina name conventional loans among the first mortgages they can be paired with: 21 run by a city, 10 by a county or regional agency and 5 open statewide.
Two approvals, made separately. The lender underwrites the conventional loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the conventional loan; the assistance program reviews its own application. A program naming conventional means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 36 programs, closest first
From one city out to the whole state
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.
In a North Carolina city 21 programs
For homes inside that city’s limits onlyCharlotte · Mecklenburg County
Charlotte House Charlotte
Forgivable loan · 80% of area median income
Winston-Salem · Forsyth County
City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)
Deferred second loan · 80% of area median income
High Point · Guilford County
City-Wide Homebuyer Assistance Program
Deferred second loan · 80% of area median income
High Point · Guilford County
Core City Homebuyer Incentive Program
Deferred second loan
Durham · Durham County
DCLT Permanently Affordable Homeownership Program (Community Land Trust)
Shared-appreciation loan · 80% of area median income
Charlotte · Mecklenburg County
Doorway to Prosperity
Deferred second loan · 110% of area median income
Durham · Durham County
Down Payment Assistance (DPA) Program
Deferred second loan · 80% of area median income
In a county or region 10 programs
For homes anywhere in the county or the counties namedForsyth County
Affordable Homeownership Opportunity Program (AHOP)
Forgivable loan · 80% of area median income
Wake County
Affordable Homeownership Program
Forgivable loan · 80% of area median income
Orange County
Community Home Trust - Affordable Homeownership Program
Shared-appreciation loan · 115% of area median income
Cumberland County
Down-payment Assistance Program (DAP)
Forgivable loan · 80% of area median income
Buncombe County
Downpayment Assistance
Deferred second loan · 80% of area median income
Cumberland County
GAP Loan Program
Forgivable loan · 80% of area median income
Guilford County
Homebuyer Down Payment Assistance Program
Forgivable loan · 80% of area median income
Robeson, Hoke, Cumberland, Scotland County
Lumbee Tribe Down Payment Assistance Program
Forgivable loan · 80% of area median income
Anywhere in North Carolina 5 programs
Can sit alongside a city or county program where both allow it- Community Partners Loan Pool (CPLP)Deferred second loan
- Doorway to Prosperity GrantAssistance grant
- Down Payment AssistanceUp to $2,500 · Assistance grant · First-time homebuyers
- NC 1st Home Advantage Down PaymentUp to $15,000 · Deferred second loan · First-time homebuyers
- NC Home Advantage MortgageForgivable loan
Nationwide 54 programs · not in the 36
Nationwide: 54 more, not in the 3654 nationwide programs that also name conventional loans, each with its own area and eligibility rules
- America First Credit Union 100% No PMI Adjustable-Rate Mortgage
- American Pacific Mortgage 1% Home Program
- American Pacific Mortgage Pathway DPA
- BNY Down Payment Assistance
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Citibank, N.A. HomeRun Mortgage
- Confederated Tribes of Grand Ronde Down Payment Assistance
- CrossCountry Mortgage Community Promise
- CrossCountry Mortgage Smart Start Down Payment Assistance Program
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- First Bank Thrive Mortgage Loan
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 1% Down Program
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage Doctor and Medical Professionals Program
- Guild Mortgage MyPath2Own Program
- Guild Mortgage Zero Down Mortgage Program
- HSBC Bank USA CommunityWorks
- HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- NACA Homeownership through Public Housing Assistance (HOT-PHA)
- NACA's New Construction Homes
- NASA FCU $0 Down, No PMI Mortgage Purchase
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Northpointe Bank ONE+ Loan Program
- Pathway Homes Essential Workers Program
- All nationwide programs →
What to know
What the 36 records say
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.
- 34 of 36
ask for a homebuyer education class.
- 28 of 36
are limited to first-time homebuyers, as each program defines it.
- 19 · 12 · 3
are deferred second loans, forgivable loans and shared-appreciation loans. The other 2 are 2 assistance grants.
Free help in North CarolinaFree help in North Carolina
63 HUD-approved counseling agencies in North Carolina63 HUD-approved housing counseling agencies in North Carolina
34 of 36 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a conventional loan fit together.34 of 36 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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Questions, answered
Can down payment assistance be used with a conventional loan in North Carolina?
36 programs in North Carolina name conventional loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming conventional loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
Is Hey Prescott a lender?
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 (June–September 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.