Greensboro runs its homebuyer help through Housing Connect GSO, administered by Housing Consultants Group. The Greensboro Homebuyer Assistance Program has two income tracks, both open. Buyers at or below 80% AMI ($73,200 for four) can get up to $25,000, plus a $5,000 bonus in certain neighborhoods, for $30,000 total. The Moderate-Income #100Homes track, for 80% to 120% AMI, pays up to $20,000 plus the same $5,000 bonus and has no price cap. The lower-income track is limited to 95% of HUD median, listed at $247,000 for existing homes and $313,000 for new construction. Awards are 0% forgivable second mortgages with terms up to 10 years and are never more than 20% of the price.
Which Greensboro workers qualify for Public Service Heroes?
Greensboro Public Service Heroes homebuyer assistance serves City of Greensboro and Guilford County employees, Guilford County Schools teachers and administrators, active-duty military (including the National Guard and Coast Guard) and veterans, up to 120% AMI. It pays up to $20,000, plus a $10,000 bonus in target neighborhoods, for up to $30,000, with no price limit. Police, fire and EMS qualify only if the City or County employs them.
The bonus applies in Eastside Park, Ole Asheboro and Willow Oaks (redevelopment areas) and in Dudley Heights, Glenwood, Kings Forest, Mill District and Random Woods (reinvestment areas). All tracks need a 600 credit score, 8 hours of City-approved education plus HUD-certified counseling, a realtor and a lender with a physical NC office. The posted guidelines mix 2024 and 2025 dates, so confirm amounts before you count on them. Statewide NC Home Advantage help can add 3% or $15,000; see the Guilford County page.
Programs run by Greensboro
City of Greensboro
- For
- First-time buyers buying in Greensboro city limits
- Amount
- 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
- Form
- Forgivable loan
- Income cap
- 80% AMI 4-person $73,200; 120% AMI 4-person $109,800 (current posted guidelines)
- Price cap
- Low- to Moderate-Income: 95% of HUD median (listed 2024 limits $247,000 existing / $313,000 new construction). Moderate-Income: no limit
- Only first-time buyers?
- Yes
- Other conditions
- 0% interest second mortgage, term up to 10 years, forgiven yearly; affordability period 5 years under $15,000 and 10 years for $15,000-$40,000; 8 hours City-approved homebuyer education plus HUD-certified counseling; credit score 600+; 45% max DTI; liquid assets cap $20,000; must have a realtor; lender needs a physical NC office; fixed-rate first mortgage. Bonus areas: Eastside Park, Ole Asheboro, Willow Oaks (redevelopment) and Dudley Heights, Glenwood, Kings Forest, Mill District, Random Woods (reinvestment).
Amounts come from the City's Program Policy and Underwriting Guidelines (https://www.greensboro-nc.gov/home/showpublisheddocument/63270/638876458892000000). The cover reportedly reads July 2026, but headers say 2025 and price limits are labeled 2024, so confirm current amounts. Public Service Heroes (teachers, city/county staff, military) is listed under occupation_specific.
Last checked November 2026 · our sources
Read the full program pageCheck if I qualifyCity 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
Read the full program pageCheck if I qualifyStatewide programs
Buyers in Greensboro can also draw on 2 statewide programs, NC Home Advantage Mortgage with Down Payment Assistance among them. Open the North Carolina program directory or try the program matcher.
County guide: Guilford County
Book your homebuyer class near Guilford County
Plan on a homebuyer class; most programs want the certificate in hand before you close. Below are HUD-approved agencies within driving distance of Guilford County, with the services, languages and meeting formats each one lists.
| Counseling agency | Town | Miles | Services | Spoken in | Format |
|---|
| Housing Authority of the City of Greensboro D/B/A Greensboro Housing Authority | Greensboro | 0 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| Housing Consultants Group | Greensboro | 1 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| Cccs of Greater Greensboro | Greensboro | 1 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| Housing Authority of the City of High Point | High Point | 15 mi | homebuyer education class, pre-purchase counseling | English | Phone |
Pulled from the HUD housing counseling directory. Ask before you enroll, because programs differ on which classes count.
Which class counts? Ask a loan officer who handles North Carolina programs. They can name the right class and begin your pre-approval in the same call.
Start the eligibility check
Greensboro: questions and answers
Do High Point buyers qualify for Greensboro's programs?
No. Both Greensboro programs require a home inside Greensboro city limits. High Point buyers should check the statewide options on the Guilford County page.
Can a Greensboro police officer use Public Service Heroes?
Yes, if they work for the City of Greensboro or Guilford County. Police, fire and EMS workers employed elsewhere don't qualify through their job.
How long until Greensboro assistance is forgiven?
It's forgiven yearly over a term of up to 10 years. Awards under $15,000 carry a 5-year affordability period, and awards of $15,000 to $40,000 carry 10 years.
