NC Home Advantage Mortgage with Down Payment Assistance
Down payment assistance by county in North Carolina
NCHFA's programs work in every North Carolina county. These guides cover the 20 largest, with local school districts, public safety employers and how the limits apply where you're buying.
| County | County seat | Income cap (3 or more people) | Highest price allowed |
|---|---|---|---|
| Wake County | Raleigh | $152,000 | $525,000 |
| Mecklenburg County | Charlotte | $135,000 | $525,000 |
| Guilford County | Greensboro | $126,000 | $525,000 |
| Forsyth County | Winston-Salem | $118,000 | $525,000 |
| Durham County | Durham | $149,000 | $525,000 |
| Cumberland County | Fayetteville | $137,000 | $525,000 |
| Buncombe County | Asheville | $118,000 | $525,000 |
| Union County | Monroe | $135,000 | $525,000 |
| Johnston County | Smithfield | $152,000 | $525,000 |
| Cabarrus County | Concord | $135,000 | $525,000 |
| Gaston County | Gastonia | $135,000 | $525,000 |
| New Hanover County | Wilmington | $125,000 | $525,000 |
| Onslow County | Jacksonville | $137,000 | $525,000 |
| Iredell County | Statesville | $123,000 | $525,000 |
| Alamance County | Graham | $131,000 | $525,000 |
| Pitt County | Greenville | $131,000 | $525,000 |
| Davidson County | Lexington | $136,000 | $525,000 |
| Brunswick County | Bolivia | $116,000 | $525,000 |
| Catawba County | Newton | $137,000 | $525,000 |
| Rowan County | Salisbury | $137,000 | $525,000 |
The $525,000 price limit applies to the $15,000 NC 1st Home Advantage option statewide. Its family income limits vary by county, from $101,000 to $132,000 for 1 to 2 people and $116,000 to $152,000 for 3 or more (NCHFA, Nov 2026). Your county isn't listed? The statewide program still covers it. Use the full limits table.
