What down payment assistance does North Carolina offer?
| Program | Amount | Type | Min. credit | First-time only? |
|---|---|---|---|---|
| City of Durham Down Payment Assistance Program | Up to $80,000 | Deferred-payment loan | Not stated | Yes |
| Enhanced Homebuyer Assistance Program | Maximum assistance: $60,000 | Deferred-payment loan | Not stated | Yes |
| Forsyth County Affordable Home Ownership Program (AHOP) | $40,000 per buyer | Deferred-payment loan | Not stated | See program |
| Homebuyer Assistance Program | Maximum assistance: $45,000 | Deferred-payment loan | Not stated | Yes |
| HouseCharlotte Down Payment Assistance Program | Up to $80,000 | Forgivable loan | Not stated | Yes |
| Housing Connect GSO Homebuyer Down Payment Assistance Program | not stated | Deferred-payment loan | Not stated | Yes |
| NC 1st Home Advantage Down Payment | $15,000 | Forgivable loan | 640 | No |
How do I apply for North Carolina down payment assistance?
- Find a participating lender approved by City of Durham Community Development Department.
- Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
- Complete the required homebuyer education course.
- Your lender reserves the assistance when you go under contract.
Cities in North Carolina
Other states with verified programs
Frequently asked questions
City of Durham Down Payment Assistance Program: Up to $80,000; Enhanced Homebuyer Assistance Program: Maximum assistance: $60,000; Forsyth County Affordable Home Ownership Program (AHOP): $40,000 per buyer; Homebuyer Assistance Program: Maximum assistance: $45,000; HouseCharlotte Down Payment Assistance Program: Up to $80,000; Housing Connect GSO Homebuyer Down Payment Assistance Program: not stated; NC 1st Home Advantage Down Payment: $15,000.
Not always — NC 1st Home Advantage Down Payment is open to repeat buyers too.
Published minimums range from 640 to 640 among the programs we verified.
Sources
- City of Durham Community Development Department — City of Durham Down Payment Assistance Program (verified October 25, 2026)
- City of Raleigh Housing and Neighborhoods Department — Homebuyer Assistance Program (verified October 25, 2026)
- Forsyth County Community and Economic Development — Forsyth County Affordable Home Ownership Program (AHOP) (verified October 25, 2026)
- City of Charlotte Housing & Neighborhood Services; loan submission via DreamKey Partners — HouseCharlotte Down Payment Assistance Program (verified October 25, 2026)
- City of Greensboro Housing and Neighborhood Development — Housing Connect GSO Homebuyer Down Payment Assistance Program (verified October 25, 2026)
- North Carolina Housing Finance Agency — NC 1st Home Advantage Down Payment (verified October 23, 2026)
Data last updated October 25, 2026.
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.