Status as of November 2026
North Carolina down payment programs: funding status
A status board for 13 North Carolina homebuyer programs: how many are taking applications, which are low on money, and the biggest awards still available.
8taking applications
4limited funds
0waitlist
1paused
Biggest awards still taking applications
| Program | Where | Amount |
|---|---|---|
| HouseCharlotte Down Payment Assistance | City of Charlotte | At or below 80% AMI: base up to $30,000 plus matching funds up to $50,000 (max $80,000). 80-110% AMI: base up to $10,000 plus match up to $20,000 (max $30,000). Eligible match sources: nonprofit DPA, bank-provided DPA, buyer's own DPA |
| City of Durham Down Payment Assistance (DPA) Program | City of Durham | Up to $80,000 (City may provide 25% of purchase price, capped at $80,000) |
| City of Raleigh Enhanced Homebuyer Assistance Program | City of Raleigh (designated target areas only) | Up to $60,000 |
| City of Raleigh Homebuyer Assistance Program | City of Raleigh | Up to $45,000 |
| Greensboro Homebuyer Assistance Program (Housing Connect GSO): Low- to Moderate-Income and Moderate-Income offerings | City of Greensboro | Low- to Moderate-Income (at or below 80% AMI, HOME funds): up to $25,000 + $5,000 redevelopment/reinvestment-area bonus = $30,000. Moderate-Income (#100Homes, 80-120% AMI, ARP funds): up to $20,000 + $5,000 bonus = $25,000. Minimum $1,000; never more than 20% of the price |
| Greensboro Public Service Heroes homebuyer assistance | City of Greensboro | 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 |
| HouseCharlotte employee tier (1B Exemption) | City of Charlotte | Up to $30,000 with no matching-funds requirement (other 80-110% AMI buyers get a $10,000 base plus a match) |
| City of Concord Downpayment Assistance Program | City of Concord | $10,000 to $25,000 for down payment and closing costs |
Sorted by the highest dollar figure each program publishes. Programs paid as a percentage can be worth more on pricier homes.
Paused, waitlisted or low on money
You can't count on these to accept an application today. Set an alert and we'll tell you when one opens back up.
| Program | Status | |
|---|---|---|
| NC Home Advantage Mortgage with Down Payment Assistance | Paused | |
| HouseCharlotte Down Payment Assistance | Limited funds | |
| City of Durham Down Payment Assistance (DPA) Program | Limited funds | |
| City of Concord Downpayment Assistance Program | Limited funds | |
| HouseCharlotte employee tier (1B Exemption) | Limited funds |
How the help is set up
| Form of help | Number of programs |
|---|---|
| Forgivable loan | 7 |
| Deferred loan, due when you sell | 4 |
| Grant, nothing to repay | 1 |
In North Carolina, most of this help is a loan. A forgivable loan goes away if you live in the home long enough. A deferred loan comes due when you sell or refinance. Work out an early payoff.
Next step
Narrow it to your situation
The matcher filters these by county and job. Then a loan officer confirms what you qualify for. No fee, no credit pull.
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