: Provides up to 25% of the sales price (max $50,000) in assistance for buyers with incomes below 80% of the area median.
The manages the primary statewide assistance programs. home buying programs in nc
: Offers a federal tax credit of up to $2,000 annually for a portion of the mortgage interest paid over the life of the loan. Local City & County Programs : Provides up to 25% of the sales
North Carolina offers several robust statewide and local programs designed to make homeownership more accessible, especially for first-time buyers and those with low-to-moderate incomes. Statewide Programs (NCHFA) Local City & County Programs North Carolina offers
: Specifically for first-time buyers and military veterans, this program offers $15,000 in down payment help. The assistance is a 0% interest, deferred second mortgage that is fully forgiven if you live in the home for 15 years.
Many NC municipalities offer additional layers of funding that can sometimes be combined with state programs. Community Home Buying Programs | NCHFA
: Provides stable, fixed-rate mortgages and down payment assistance up to 3% of the loan amount. It is available for both first-time and "move-up" buyers.
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