North Carolina down payment assistance at a glance
The North Carolina Housing Finance Agency (NCHFA) offers the NC Home Advantage Mortgage with down payment assistance, plus additional help for eligible first-time buyers.
Want the full North Carolina breakdown? Our dedicated North Carolina guide covers programs, local options, and current details: visit the North Carolina DPA guide →
Statewide programs
NC Home Advantage Mortgage
A first mortgage paired with down payment assistance for eligible first-time and repeat buyers.
NC 1st Home Advantage Down Payment
Additional assistance for eligible first-time buyers and military veterans using the NC Home Advantage Mortgage.
Mortgage Credit Certificate
A federal tax credit option that has been offered by NCHFA.
Local programs
Cities such as Charlotte, Raleigh, and Durham have run their own assistance programs.
Program names, amounts, and eligibility change frequently and funding can pause. Always confirm current terms with a participating lender or the program administrator.
Local and city programs
Charlotte-area buyers can explore local options such as HouseCharlotte. See our North Carolina and Charlotte guide.
What North Carolina buyers should know
- North Carolina closings involve an attorney; include attorney fees in your closing cost estimate.
- Local programs may require the home to be within specific city limits.
Next step
Matthew Brown is licensed in North Carolina and can check which statewide and local programs fit your income, credit, and the home you want to buy.