NC Home Advantage Mortgage with Down Payment Assistance · Brunswick County
Brunswick County, North Carolina: down payment help, step by step
Brunswick County stretches from Leland to Ocean Isle Beach, and its public servants can use NCHFA's 3% or $15,000 option to buy a first home.
Step 1: Know the local market
Brunswick County Schools serves the whole county. Public safety employers include the Brunswick County Sheriff's Office, Leland Police Department, Oak Island Police Department and Brunswick County EMS.
Leland has grown fast as a Wilmington commuter town, while Southport, Oak Island, Shallotte and Ocean Isle Beach mix year-round homes with vacation property. NCHFA loans are only for your principal residence, so a beach home you plan to rent out won't qualify.
Watch the $525,000 limit if you want the $15,000 option near the water. The 3% option has no NCHFA price cap and also works for buyers who've owned before.
Step 2: Check the Brunswick County caps
| Income cap, 1 or 2 people | Income cap, 3 or more | Highest price allowed |
|---|---|---|
| $101,000 | $116,000 | $525,000 |
The $15,000 option tops out at $525,000 in Brunswick County, which has the lowest family income limits of these 20 counties: $101,000 for 1 to 2 people and $116,000 for 3+. Statewide figures are in the limits table; to test a price against your income, use the budget calculator.
Step 3: Add local help in Brunswick County
Our last check turned up no program run just for Brunswick County. The statewide options still work here. Open the North Carolina program directory.
Step 4: Book your homebuyer class near Brunswick 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 Brunswick County, with the services, languages and meeting formats each one lists.
| Counseling agency | Town | Miles | Services | Spoken in | Format |
|---|---|---|---|---|---|
| City of Wilmington | Wilmington | 21 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| City of Jacksonville | Jacksonville | 67 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
Pulled from the HUD housing counseling directory. Ask before you enroll, because programs differ on which classes count.
Major public employers in Brunswick County
Some of the larger schools and public safety agencies here:
- Brunswick County Schools
- Brunswick County Sheriff's Office
- Leland Police Department
- Oak Island Police Department
- Brunswick County EMS
These are examples only. Any eligible Brunswick County buyer can use the programs. Every job the program covers
Brunswick County: questions and answers
Can a Brunswick deputy buy in Leland?
Yes. Any home in North Carolina works if it becomes your principal residence within 60 days.
Can I rent out part of the year?
The home must be your principal residence. Second homes aren't eligible.
Which option works on an Oak Island home over $525,000?
Only the 3% option, which has no NCHFA price cap.
Nearby county guides: Wake CountyMecklenburg CountyGuilford CountyForsyth CountyDurham CountyCumberland CountyBuncombe CountyUnion County All counties
