SeatGreensboro
Residents562,234
Cap, 3+ people$126,000
Price ceiling$525,000
Step 1: Know the local market
Guilford County Schools serves both Greensboro and High Point, so a teacher can live in either city and stay close to work. On the public safety side, the Greensboro Police Department, High Point Police Department, Guilford County Sheriff's Office, Greensboro Fire Department and Guilford County EMS all employ people who could qualify.
Many Guilford homes sit well under the $525,000 limit for the $15,000 option, which can make that flat amount go a long way toward a down payment, mortgage insurance and closing costs. Northern spots like Summerfield and Oak Ridge can run higher, so check the price first.
A starter home in Jamestown or High Point may also pair well with the Community Partners Loan Pool if your household earns 80% of area median income or less.
Step 2: Check the Guilford County caps
| Income cap, 1 or 2 people | Income cap, 3 or more | Highest price allowed |
|---|
| $110,000 | $126,000 | $525,000 |
Guilford buyers face the statewide $525,000 cap for the $15,000 option, plus a county family income limit of $110,000 (1 to 2 people) or $126,000 (3 or more). Statewide figures are in the limits table; to test a price against your income, use the budget calculator.
Step 3: Add local help in Guilford County
Some local programs stack on top of the state option and some replace it. Each has its own rules, so ask your loan officer which ones you can pair.
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 qualifyFull North Carolina program directory
Step 4: 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
Major public employers in Guilford County
Some of the larger schools and public safety agencies here:
- Guilford County Schools
- Greensboro Police Department
- High Point Police Department
- Guilford County Sheriff's Office
- Greensboro Fire Department
- Guilford County EMS
Any eligible buyer can use NCHFA's programs in Guilford, not only these employers. Every job the program covers
Guilford County: questions and answers
Can a High Point officer buy in Greensboro?
Yes. You can buy anywhere in the state as long as it becomes your principal residence within 60 days of closing.
Is there extra help for lower-income buyers here?
The Community Partners Loan Pool can add up to 25% of the price, capped at $50,000, through a member organization if your income is at or below 80% of area median.
Does Summerfield have a different price limit?
No. The $525,000 cap for the $15,000 option is statewide.
Nearby county guides: Wake CountyMecklenburg CountyForsyth CountyDurham CountyCumberland CountyBuncombe CountyUnion CountyJohnston County All counties
