First mortgage
Habitat for Humanity of Craven County Homeownership Program (SHLP)
Income limits · single_family
Down payment assistance · Craven County
Buying a home in New Bern, NC
1 New Bern program and 6 statewide.New Bern has 1 program 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 New Bern addresses
New Bern’s own program
The New Bern marketThe New Bern housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in New Bern
- 63.9% single-familysingle-family
- 4.9% townhousetownhouse
- 6.5% 2–4 units2–4 units
- 20.4% 5+ unitscondo & apartment buildings (5+ units)
- 4.3% mobile & othermobile home & other
About condos. New Bern’s one local program does not list condos as eligible. Habitat for Humanity of Craven County Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When New Bern’s homes were built
pre-19401970s2020+
35.2%
of New Bern 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.
$87,000
County area median income, 4 people (HUD)HUD area median income, Craven County, 4-person household (2026)
$61,031
New Bern median household incomeMedian household income in New Bern (Census, 2024)
13 of the 69 programs here set their income limit as a share of Craven County’s area median income, adjusted for household size. See the published limits for Craven County
Free help nearbyFree help near New Bern
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
New Bern’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Craven County Homeownership Program (SHLP) asks 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.
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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
New Bern questions
Does New Bern have its own down payment program?
Yes, one: Habitat for Humanity of Craven County Homeownership Program (SHLP), a first mortgage (income limits). It is for homes inside New Bern.
Can I use assistance on a condo in New Bern?
New Bern’s one local program does not list condos as eligible. Habitat for Humanity of Craven County Homeownership Program (SHLP) 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 Craven County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Craven 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 New Bern?
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
28560 · 28561 · 28562 · 28563 · 28564
Nearby in Craven
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.