Important
Every program has different requirements. Eligibility may depend on income, household size, property location, purchase price, occupancy, credit, homebuyer education, and available funding.
Check EligibilityQualified homebuyers may be eligible for down payment and closing cost assistance through Charlotte and North Carolina homeownership programs.
Saving for a down payment is one of the biggest obstacles for many homebuyers. Charlotte-area buyers may have access to assistance programs that can reduce the amount of money needed at closing.
Every program has different requirements. Eligibility may depend on income, household size, property location, purchase price, occupancy, credit, homebuyer education, and available funding.
Check EligibilityThese are two major assistance options available to eligible Charlotte-area homebuyers.
The House Charlotte Program helps qualified buyers purchase homes within Charlotte city limits by providing deferred down payment assistance.
CPLP may provide assistance equal to up to 25% of the purchase price, with a maximum assistance amount of $50,000.
The goal is to help you understand your options before you start shopping for a home.
Review your goals, income, credit, and budget.
Identify assistance programs that may fit your situation.
Determine your buying power and loan options.
Finalize financing and move toward homeownership.
Some programs require first-time homebuyer status, while others may not. Eligibility depends on the specific program.
Many assistance programs can be paired with FHA, Conventional, VA, or USDA financing, depending on program guidelines.
Yes. Most Charlotte-area assistance programs include household income limits and other eligibility requirements.
Buying a home in Charlotte may be more affordable than you think. Schedule a free consultation to review your options.
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