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Western Piedmont Council of Governments Down Payment Assistance (CPLP)

Western Piedmont Council of Governments · Hickory, North Carolina

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Assistance

$50,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Deferred

No payments until the home is sold or refinanced

What is Western Piedmont Council of Governments Down Payment Assistance (CPLP)?

Western Piedmont Council of Governments Down Payment Assistance (CPLP) is a deferred second loan for homebuyers in Hickory, North Carolina, administered by Western Piedmont Council of Governments.

  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from NCHFA Community Partners Loan Pool (CPLP).

How much assistance does it provide?

Western Piedmont Council of Governments Down Payment Assistance (CPLP) offers up to $50,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Western Piedmont Council of Governments determines any individual award.

Do you have to pay it back?

Western Piedmont Council of Governments Down Payment Assistance (CPLP) is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • The assistance is recorded in second position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Western Piedmont Council of Governments Down Payment Assistance (CPLP) sets its eligibility rules through Western Piedmont Council of Governments, and does not restrict applicants to first-time buyers.

The program requires

  • A completed homebuyer education course
  • Must be combined with NC Home Advantage Mortgage or USDA Section 502 Direct loan. Requires 6 hrs homebuyer education + 2 hrs one-on-one pre-purchase counseling. Amount: lesser of 25% of sales price or $50,000. Serves Alexander, Burke, Caldwell, Catawba counties (western Piedmont foothills). Contact: 828-322-9191, PO Box 9026, Hickory NC 28603.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Western Piedmont Council of Governments Down Payment Assistance (CPLP) limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% of Area Median Income.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Western Piedmont Council of Governments Down Payment Assistance (CPLP) can be used for single_family, townhouse, and condo.

Where does it apply?

Western Piedmont Council of Governments Down Payment Assistance (CPLP) is a federal program, so it is not limited to North Carolina.

How do you apply?

Applications for Western Piedmont Council of Governments Down Payment Assistance (CPLP) go through Western Piedmont Council of Governments, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Western Piedmont Council of Governments to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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