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City of Raleigh Housing and Neighborhoods Department

City of Raleigh Homebuyer Assistance Program

Up to $45,000 toward a down payment in NC.

See if I qualify
Location
NC
Type
Forgivable assistance
Max assistance
$45,000
Income limit
$90,650
First-time buyer
Required
Property types
Single family, Townhouse, Condo

City of Raleigh citywide homebuyer assistance program offering 0% interest deferred second mortgage loans up to $45,000 to help first-time homebuyers with down payment, closing costs, or financing gaps. Loans are deferred for 20 years (no payments unless sold or no longer primary residence); if owner stays for an additional 10 years (30 years total), the loan is fully forgiven.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

City of Raleigh Homebuyer Assistance Program, explained

A short, free course on City of Raleigh Homebuyer Assistance Program: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.