Skip to content
Purchase Mortgage Loan
Get Pre-Approved

HouseCharlotte Down Payment Assistance Program

Quick answer

HouseCharlotte Down Payment Assistance Program is a North Carolina down payment assistance program from City of Charlotte Housing & Neighborhood Services; loan submission via DreamKey Partners. It provides Up to $80,000 as a forgivable loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Deferred and forgivable; 30-year term, forgivable at year 31; Program 1A base up to $30,000 plus match up to $50,000; Program 1B base up to $10,000 plus match up to $20,000; 1B Exemption up to $30,000 (match waived for City, County and CMS employees); max sales price $365,000; covers down payment, closing costs and rate buy-downs; page has no explicit effective date (c 2026).

Where does HouseCharlotte Down Payment Assistance Program apply?

This city-level program is available to buyers in Charlotte. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $80,000
TypeForgivable loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI ($93,900) for Program 1A; 80.01%-110% AMI ($129,150) for Program 1B

How does HouseCharlotte Down Payment Assistance Program work with an FHA loan?

North Carolina's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.charlottenc.gov/Streets-and-Neighborhoods/Housing/Resources-for-Homeowners-Renters/Homeownership. Programs can pause when funds run out, so confirm availability with a participating lender.

← All North Carolina down payment assistance programs

Frequently asked questions

Up to $80,000, according to City of Charlotte Housing & Neighborhood Services; loan submission via DreamKey Partners.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

80% AMI ($93,900) for Program 1A; 80.01%-110% AMI ($129,150) for Program 1B

Sources

Data last updated October 25, 2026.

Find a lender that offers HouseCharlotte Down Payment Assistance Program

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures 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.