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

This document contains links to external websites that are not provided or maintained by or in any way affiliated with Landed. Please note that Landed does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

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