North Carolina Homebuyer Resources

Charlotte Metro Area Resources

Down Payment Assistance Programs

HouseCharlotte Program 

Offered by the City of Charlotte, the HouseCharlotte program provides 5-year, 10-year, or 15-year deferred, forgivable loans to qualified applicants. Funds can be used for downpayment, closing cost or interest rate buy down. Program details include:

  • $7,500 - $17,000 based on % to Area Medium Income to go toward downpayment, closing costs or buying down the interest rate
  • Income must be 110% or less of Area Medium Income to qualify
  • Education required
  • Max purchase price $200K; Max purchase price for new construction $230K

Community Heroes Homeownership Program

Offered by the City of Charlotte, the Community Heroes program provides downpayment assistance up to $30,000 to eligible healthcare workers, COVID-19 essential workers, first responders and public-school teachers in Mecklenburg County. Program details include: 

  • Up to $30,000 toward downpayment or closing costs
  • Forgiven after 10 years
  • Income limits
  • Education required
  • Must use specific lenders (SunTrust is one. Truist Bank is part of SunTrust so might be an option)

National Homebuyer Resources


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