HouseCharlotte Program 1B is the City of Charlotte's down payment assistance tier for moderate-income first-time homebuyers (above 80% AMI up to approximately 110%-120% AMI) purchasing within Charlotte city limits. Provides up to $10,000 as a 0%-interest deferred forgivable second mortgage with a 10-year affordability period. Administered by DreamKey Partners on behalf of the City of Charlotte and funded primarily by City general funds.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on HouseCharlotte - Program 1B: 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
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.