Deferred second loan
City of Raleigh Homebuyer Assistance Program
First-time homebuyers · Income limits · Single-family detached · Townhome · Condominium
Down payment assistance · Wake County
Buying a home in Raleigh, NC
3 Raleigh programs, 2 county programs and 6 statewide.Raleigh has 3 programs of its own, 2 more across Wake County, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Raleigh addresses
Raleigh’s own programs
Deferred second loan
Enhanced Homebuyer Assistance Program
First-time homebuyers · Income limits · Single-family detached · Townhome · Condominium
First mortgage
Habitat for Humanity Greater Raleigh Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Anywhere in WakeAnywhere in Wake County
2 county programs2 county programs a Raleigh homebuyer can also use
The Raleigh marketThe Raleigh housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Raleigh
- 43.7% single-familysingle-family
- 14.4% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 35% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. 4 of Raleigh’s 5 local and county programs accept condos. Habitat for Humanity Greater Raleigh Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Raleigh’s homes were built
pre-19401970s2020+
23.1%
of Raleigh 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.
$132,300
County area median income, 4 people (HUD)HUD area median income, Wake County, 4-person household (2026)
$85,395
Raleigh median household incomeMedian household income in Raleigh (Census, 2024)
17 of the 73 programs here set their income limit as a share of Wake County’s area median income, adjusted for household size. See the published limits for Wake County
Free help nearbyFree help near Raleigh
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 local programs here ask 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Raleigh questions
Does Raleigh have its own down payment program?
Yes, 3: City of Raleigh Homebuyer Assistance Program, Enhanced Homebuyer Assistance Program and Habitat for Humanity Greater Raleigh Homeownership Program. Each is for homes inside Raleigh.
Can I use assistance on a condo in Raleigh?
4 of Raleigh’s 5 local and county programs accept condos. Habitat for Humanity Greater Raleigh Homeownership Program 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 Wake County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Wake 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 Raleigh?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Raleigh. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27601 · 27602 · 27603 · 27604 · 27605 · 27606 · 27607 · 27608 · 27609 · 27610 · 27611 · 27612 · 27613 · 27614 · 27615 · 27616 · 27617 · 27619 · 27620 · 27621 · 27622 · 27623 · 27624 · 27625 · 27626 · 27627 · 27628 · 27629 · 27634 · 27635 · 27636 · 27640 · 27650 · 27656 · 27658 · 27661 · 27668 · 27675 · 27676 · 27690 · 27695 · 27697 · 27698 · 27699
Nearby in Wake
Sources
Sources: agency sites (June–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 (June–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.