Down Payment Assistance Programs
Understanding homeownership support in North Carolina
In North Carolina, many buyers can comfortably afford a monthly mortgage but find upfront costs (like the down payment and closing costs) to be the biggest hurdle.
Down payment assistance (DPA) programs are designed to help bridge that gap. Options vary across the state, with some available statewide and others limited to specific counties or communities.
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NC Home Advantage Mortgage™
Up to 3% down payment assistance for first-time and repeat homebuyers.
Community Partners Loan Pool
Up to 25% of the purchase price, max $50,000, for eligible lower-income buyers.
PRMI Empower 5%
Provides a substantial 5% boost toward your home purchase. Open to various buyer profiles to significantly reduce out-of-pocket costs at closing.
Lakeview Springboard DPA
Works with conventional and government loans to support down payments and closing costs. Ideal for moderate-income buyers seeking clear path to ownership.
Explore Your DPA Options
Finding the perfect match depends on your financial profile and location. Browse these diverse North Carolina assistance opportunities below:
Self-Help Loan Pool
Down payment assistance for eligible buyers purchasing or building through participating affordable housing programs.
Essex DPA
Reliable assistance for bridge-to-ownership financing. Straightforward rules apply for both new and repeat Arizona homebuyers.
Chenoa DPA
A national program for FHA loans that can cover the full 3.5% down payment. Available for first-time and repeat buyers with standard credit standards.