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 an FHA loan in North Carolina
33 programs name FHA loans: 20 city, 8 county or regional, 5 statewide.33 programs in North Carolina name FHA loans among the first mortgages they can be paired with: 20 run by a city, 8 by a county or regional agency and 5 open statewide.
Two approvals, made separately. The lender underwrites the FHA 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 FHA loan; the assistance program reviews its own application. A program naming FHA 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 33 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 20 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
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
Rocky Mount · Nash, Edgecombe County
Down Payment Assistance Program
Forgivable loan · 120% of area median income
In a county or region 8 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
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
Wake County
Wake County Affordable Homeownership 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 33 programs · not in the 33
Nationwide: 33 more, not in the 3333 nationwide programs that also name FHA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- BluePoint Mortgage Zero-Down Home Loan
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Direct Mortgage Loans Go Direct FHA 100% Financing
- 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
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage MyPath2Own Program
- 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
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
- U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- All nationwide programs →
What to know
What the 33 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.
- 31 of 33
ask for a homebuyer education class.
- 26 of 33
are limited to first-time homebuyers, as each program defines it.
- 19 · 12 · 2
are deferred second loans, forgivable loans and 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
31 of 33 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and an FHA loan fit together.31 of 33 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 an FHA loan in North Carolina?
33 programs in North Carolina name FHA 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 FHA 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.