Sources and methods
Where our North Carolina program facts come from
This page lists the sources behind each entry, how often we look again, and what our labels mean.
1. Sources
We follow 13 programs in North Carolina, drawing on 35 official documents. Those include pages, rate and term sheets and income tables published by the state housing finance agency, along with pages from the cities, counties and nonprofits that run local programs. We take amounts, caps and rules straight from those documents. We do not copy them from other directories or from news stories. When two official sources give different numbers, the program's page here points that out rather than choosing one.
2. Re-checks
Every entry shows the month we last checked it. We go back to the official pages on a regular schedule and change a status when money runs out, a new round opens or terms are revised. A program that has ended comes off the list. A program that is only paused stays on, marked as paused, so you know to look again later.
3. Labels
| Label | What it tells you |
|---|---|
| Taking applications | You can apply now through a participating lender or the program office. |
| Limited funds | Paid from a yearly or fixed budget that can be used up. Make sure money is left before you apply. |
| Waitlist | The money is spoken for. New applicants join a waiting list. |
| Paused | Not accepting applications today. Many reopen with the next round of funding. |
| Grant, nothing to repay | You never pay it back. |
| Forgivable loan | Wiped out over time as long as you live in the home. Sell or refinance too soon and you owe it. |
| Deferred loan, due when you sell | No monthly bill. You repay it when you sell, refinance or move out. |
| Loan with monthly payments | Repaid a little every month. |
4. Rules we hold ourselves to
A program gets the grant label only when its official terms say the money is never repaid. If we can't confirm a program's amount or terms, it gets a short entry and no full page until the program publishes them. We are an independent site, not a lender and not a government office, and no program pays us to appear here.
5. Report a change
Rules shift. If you see a status or term that has changed, write to leads@ncdownpmtassistance.com and we will look at it again.
Open the North Carolina program directory · Match yourself to programs
