NC Home Advantage Mortgage with Down Payment Assistance · Onslow County
Onslow County, North Carolina: down payment help, step by step
Onslow County, home to Jacksonville and Camp Lejeune, has many veterans who can use the $15,000 option even if they owned before.
Step 1: Know the local market
Many Marines and sailors stay in Onslow County after their service ends. If you served 181 or more consecutive days of active duty, received an honorable discharge, and apply before the 25th anniversary of leaving active service, you get a one-time exception from the first-time-buyer rule for the $15,000 NC 1st Home Advantage Down Payment. You must own no other home at closing.
Onslow County Schools is a major local employer, along with the Jacksonville Police Department, Onslow County Sheriff's Office, Jacksonville Fire and Emergency Services and Onslow County EMS.
Buyers look at Jacksonville, Richlands and Swansboro, with coastal options in Holly Ridge and North Topsail Beach. VA, FHA, USDA and conventional loans can all be used with the NC Home Advantage Mortgage.
Step 2: Check the Onslow County caps
| Income cap, 1 or 2 people | Income cap, 3 or more | Highest price allowed |
|---|---|---|
| $117,000 | $137,000 | $525,000 |
The $525,000 statewide cap applies to the $15,000 option in Onslow. Total family income can be up to $117,000 for 1 to 2 people, or $137,000 for 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 Onslow County
Our last check turned up no program run just for Onslow County. The statewide options still work here. Open the North Carolina program directory.
Step 4: Book your homebuyer class near Onslow 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 Onslow County, with the services, languages and meeting formats each one lists.
| Counseling agency | Town | Miles | Services | Spoken in | Format |
|---|---|---|---|---|---|
| City of Jacksonville | Jacksonville | 1 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| City of Wilmington | Wilmington | 45 mi | homebuyer education class, pre-purchase counseling | English, Spanish | 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 Onslow County
Some of the larger schools and public safety agencies here:
- Onslow County Schools
- Jacksonville Police Department
- Onslow County Sheriff's Office
- Jacksonville Fire and Emergency Services
- Onslow County EMS
These employers are examples. Any eligible Onslow County buyer can apply. Every job the program covers
Onslow County: questions and answers
I'm leaving the Marine Corps soon. When can I use the veteran exception?
It's for veterans with an honorable discharge, and you must apply before the 25th anniversary of leaving active service. Bring your DD214.
Can I keep a home I own elsewhere?
Not if you use the veteran exception. You can't own another home at closing.
Can I buy in North Topsail Beach?
Yes, as your principal residence. For the $15,000 option the price must be $525,000 or less.
Nearby county guides: Wake CountyMecklenburg CountyGuilford CountyForsyth CountyDurham CountyCumberland CountyBuncombe CountyUnion County All counties
