Fact sheet
Greensboro Public Service Heroes homebuyer assistance
Taking applicationsCity of Greensboro
- For
- City of Greensboro employees, Guilford County employees, Guilford County public school teachers and administrators, active-duty military (including National Guard and Coast Guard) and military veterans; household income up to 120% AMI (4-person $109,800); first-time buyers buying in Greensboro city limits
- Amount
- Up to $20,000 + $10,000 redevelopment/reinvestment-area bonus (max $30,000); minimum $1,000; no more than 20% of the price; no price limit
- Form
- Forgivable loan
Funded by City housing bond and administered by Housing Consultants Group. 0% second mortgage, up to 10-year term, forgiven yearly. Same education, credit (600) and realtor rules as the base program. Amounts are from the posted guidelines (see local entry), which went from $15,000/$25,000 in Oct 2024 to $20,000/$30,000. Police, fire and EMS qualify only if they're City or County employees.
Last checked November 2026 · our sources
Check if I qualifyWho counts as a Public Service Hero
Eligible buyers include City of Greensboro employees, Guilford County employees, Guilford County public school teachers and administrators, active-duty military (National Guard and Coast Guard included) and military veterans. Military members and veterans qualify on their service, whoever employs them now. Police officers, firefighters and EMS workers qualify only when they work for the City or the County. Household income can be up to 120% of area median, or $109,800 for four people (the same ceiling as the City's Moderate-Income offering), and you must be a first-time buyer purchasing inside Greensboro city limits. Our teachers page covers the statewide side.
How much and on what terms
The base award is up to $20,000, and homes in Greensboro's redevelopment or reinvestment areas earn a $10,000 bonus, for a maximum of $30,000. That bonus is twice the $5,000 bonus in the general offerings. The minimum is $1,000, the award can't exceed 20% of the price, and there is no price limit. With no cap, the tier can work on higher-priced Greensboro homes that the HOME-funded offering can't reach, though on a $120,000 purchase the 20% rule would still hold the award to $24,000. The help is a 0% second mortgage with a term of up to 10 years that is forgiven a portion each year. The posted amounts rose from $15,000 and $25,000 in the October 2024 guidelines.
Shared requirements
The rules mirror the City's general homebuyer program: City-approved homebuyer education, a credit score of at least 600 and a realtor on the purchase. Funding comes from a City housing bond. NCHFA's statewide options have no occupation requirement, and it isn't stated whether this tier layers on top of them, so ask a participating lender. For other public-servant offers, read our hero discounts guide.
Applying
Housing Consultants Group administers the tier for the City. Gather proof of your employment or military service, finish the education requirement, and work with a lender that meets the program's rules. Because the guideline dates are mixed, confirm the current award with the administrator. See the Guilford County guide and check your eligibility.
Greensboro Public Service Heroes homebuyer assistance: questions and answers
Do Greensboro police and firefighters qualify for Public Service Heroes?
Only if they are City of Greensboro or Guilford County employees. Guilford County public school teachers, active-duty military and veterans also qualify.
How much is the Public Service Heroes award?
Up to $20,000, plus a $10,000 bonus in redevelopment or reinvestment areas, for a maximum of $30,000. It can't exceed 20% of the price.
Is there a price limit for Public Service Heroes?
No. Household income must be at or below 120% of area median, and the home must be in Greensboro city limits.
See if I qualify for this one
Programs to compare
Drawn from the program's own web page as of November 2026. Money runs out and terms get revised, so check the latest with the program office or a lender that handles it. North Carolina Down Payment Assistance has no tie to this program.
