Down payment assistance programs in North Carolina
The programs DownPaymentMap publishes for North Carolina so far. Each program page answers the same nineteen questions, with every value linked to the program’s official source.
Administrators: City of Asheville Community Development Division, Buncombe County Community Development Division, Piedmont Triad Regional Council, Choanoke Area Development Association of North Carolina, Inc. (CADA), City of Concord Community Housing Department, Halifax County, City of Durham Housing & Neighborhood Services Department, City of Gastonia Community Development Division, City of Goldsboro Community Relations and Development Department, City of Kannapolis, City of Raleigh Housing and Community Development, Community Empowerment Fund, North Carolina Housing Finance Agency, Cumberland County Community Development, Durham Housing Authority, Eastern Band of Cherokee Indians Housing & Community Development Division, City of Fayetteville Economic & Community Development Department, Experiment in Self-Reliance, Inc., Forsyth County Community & Economic Development Department, Greensboro Housing Authority, City of Greensboro Housing & Neighborhood Development Department, City of Greenville Community Development Division, City of Greensboro Housing & Neighborhood Development, ASPIRE, City of New Bern Development Services Department, City of High Point Community Development & Housing — Affordable Housing Division, Housing Authority of the City of High Point, City of Jacksonville Neighborhood Improvement Services, Rocky Mount Housing Authority, DreamKey Partners, Housing Authority of the City of Asheville
Programs
- Asheville Regional Housing Consortium HOME Down Payment Assistance (Dodd Meadows)
- Administrator
- City of Asheville Community Development Division
- Kind of help
- Assistance
- Where
- Specific areas
- Buncombe County Downpayment Assistance Program (Partner-Delivered)
- Administrator
- Buncombe County Community Development Division
- Kind of help
- Deferred loan
- Where
- 1 county
- Burlington HOME Consortium Homebuyer Assistance
- Administrator
- Piedmont Triad Regional Council
- Kind of help
- Assistance
- Where
- 5 counties
- CADA Housing Choice Voucher Homeownership Program
- Administrator
- Choanoke Area Development Association of North Carolina, Inc. (CADA)
- Kind of help
- Assistance
- Where
- 2 counties
- Cabarrus/Iredell/Rowan HOME Consortium Down Payment Assistance
- Administrator
- City of Concord Community Housing Department
- Kind of help
- Assistance
- Where
- 3 counties
- Choanoke Area Housing Consortium Purchase Assistance Program
- Administrator
- Halifax County
- Kind of help
- Assistance
- Where
- 5 counties
- City of Durham Down Payment Assistance (DPA) Program
- Administrator
- City of Durham Housing & Neighborhood Services Department
- Kind of help
- Forgivable loan
- Where
- 1 city or town
- City of Gastonia Homebuyer Assistance Program (HOME)
- Administrator
- City of Gastonia Community Development Division
- Kind of help
- Forgivable loan
- Where
- Specific areas
- City of Goldsboro Home Buyer Assistance Program
- Administrator
- City of Goldsboro Community Relations and Development Department
- Kind of help
- Forgivable loan
- Where
- 1 city or town
- City of Kannapolis Home Ownership / Down Payment Assistance
- Administrator
- City of Kannapolis
- Kind of help
- Assistance
- Where
- 1 city or town
- Citywide Homebuyer Assistance Program
- Administrator
- City of Raleigh Housing and Community Development
- Kind of help
- Deferred loan
- Where
- 1 city or town
- Community Empowerment Fund First-Time Homebuyer Program
- Administrator
- Community Empowerment Fund
- Kind of help
- Assistance
- Where
- Specific areas
- Community Partners Loan Pool (CPLP)
- Administrator
- North Carolina Housing Finance Agency
- Kind of help
- Deferred loan
- Where
- Statewide
- Cumberland County GAP & DAP Homebuyer Assistance Program
- Administrator
- Cumberland County Community Development
- Kind of help
- Assistance
- Where
- Specific areas
- Durham Housing Authority Homeownership Counseling Pathway
- Administrator
- Durham Housing Authority
- Kind of help
- Assistance
- Where
- 1 city or town
- Eastern Band of Cherokee Indians — Cherokee Indian Housing Division Down Payment Assistance
- Administrator
- Eastern Band of Cherokee Indians Housing & Community Development Division
- Kind of help
- Assistance
- Where
- Specific areas
- Fayetteville Homebuying HERO Program
- Administrator
- City of Fayetteville Economic & Community Development Department
- Kind of help
- Forgivable loan
- Where
- 1 city or town
- Forsyth County / Experiment in Self-Reliance New Century IDA Match Program
- Administrator
- Experiment in Self-Reliance, Inc.
- Kind of help
- Assistance
- Where
- 1 county
- Forsyth County Affordable Homeownership Opportunity Program (AHOP/HOME)
- Administrator
- Forsyth County Community & Economic Development Department
- Kind of help
- Deferred loan
- Where
- 1 county
- Greensboro Housing Authority HCV Homeownership Option
- Administrator
- Greensboro Housing Authority
- Kind of help
- Assistance
- Where
- Specific areas
- Greensboro Housing Connect GSO Public Service Heroes Homebuyer Assistance
- Administrator
- City of Greensboro Housing & Neighborhood Development Department
- Kind of help
- Forgivable loan
- Where
- 1 city or town
- Greenville 10% Affordable Housing Loan Assistance Program
- Administrator
- City of Greenville Community Development Division
- Kind of help
- Repayable loan
- Where
- 1 city or town
- Guilford County Homebuyer Down Payment Assistance Program
- Administrator
- City of Greensboro Housing & Neighborhood Development
- Kind of help
- Forgivable loan
- Where
- Specific areas
- HCV Homeownership Program
- Administrator
- ASPIRE
- Kind of help
- Assistance
- Where
- 1 county
- HS-1 Homeownership
- Administrator
- City of New Bern Development Services Department
- Kind of help
- Assistance
- Where
- Specific areas
- High Point City-Wide Homebuyer Assistance Program
- Administrator
- City of High Point Community Development & Housing — Affordable Housing Division
- Kind of help
- Forgivable loan
- Where
- Specific areas
- High Point Housing Authority Homeownership Program
- Administrator
- Housing Authority of the City of High Point
- Kind of help
- Assistance
- Where
- Not stated
- Homeownership Down Payment Assistance Program
- Administrator
- City of Jacksonville Neighborhood Improvement Services
- Kind of help
- Deferred loan
- Where
- 1 city or town
- Homes for Rocky Mount Heroes Program
- Administrator
- Rocky Mount Housing Authority
- Kind of help
- Forgivable loan
- Where
- 1 city or town
- House Charlotte Down Payment Assistance Program
- Administrator
- DreamKey Partners
- Kind of help
- Deferred loan
- Where
- 1 city or town
- Housing Authority of the City of Asheville Homeownership Program
- Administrator
- Housing Authority of the City of Asheville
- Kind of help
- Assistance
- Where
- 1 county
- Individual Development Account (IDA) Matching Funds
- Administrator
- North Carolina Housing Finance Agency
- Kind of help
- Assistance
- Where
- Specific areas
- NC Home Advantage Mortgage
- Administrator
- North Carolina Housing Finance Agency
- Kind of help
- Forgivable loan
- Where
- Statewide
- Self-Help Loan Pool (SHLP)
- Administrator
- North Carolina Housing Finance Agency
- Kind of help
- Repayable loan
- Where
- Statewide
| Program | Administrator | Kind of help | Where | Details |
|---|---|---|---|---|
| Asheville Regional Housing Consortium HOME Down Payment Assistance (Dodd Meadows) | City of Asheville Community Development Division | Assistance | Specific areas | View → |
| Buncombe County Downpayment Assistance Program (Partner-Delivered) | Buncombe County Community Development Division | Deferred loan | 1 county | View → |
| Burlington HOME Consortium Homebuyer Assistance | Piedmont Triad Regional Council | Assistance | 5 counties | View → |
| CADA Housing Choice Voucher Homeownership Program | Choanoke Area Development Association of North Carolina, Inc. (CADA) | Assistance | 2 counties | View → |
| Cabarrus/Iredell/Rowan HOME Consortium Down Payment Assistance | City of Concord Community Housing Department | Assistance | 3 counties | View → |
| Choanoke Area Housing Consortium Purchase Assistance Program | Halifax County | Assistance | 5 counties | View → |
| City of Durham Down Payment Assistance (DPA) Program | City of Durham Housing & Neighborhood Services Department | Forgivable loan | 1 city or town | View → |
| City of Gastonia Homebuyer Assistance Program (HOME) | City of Gastonia Community Development Division | Forgivable loan | Specific areas | View → |
| City of Goldsboro Home Buyer Assistance Program | City of Goldsboro Community Relations and Development Department | Forgivable loan | 1 city or town | View → |
| City of Kannapolis Home Ownership / Down Payment Assistance | City of Kannapolis | Assistance | 1 city or town | View → |
| Citywide Homebuyer Assistance Program | City of Raleigh Housing and Community Development | Deferred loan | 1 city or town | View → |
| Community Empowerment Fund First-Time Homebuyer Program | Community Empowerment Fund | Assistance | Specific areas | View → |
| Community Partners Loan Pool (CPLP) | North Carolina Housing Finance Agency | Deferred loan | Statewide | View → |
| Cumberland County GAP & DAP Homebuyer Assistance Program | Cumberland County Community Development | Assistance | Specific areas | View → |
| Durham Housing Authority Homeownership Counseling Pathway | Durham Housing Authority | Assistance | 1 city or town | View → |
| Eastern Band of Cherokee Indians — Cherokee Indian Housing Division Down Payment Assistance | Eastern Band of Cherokee Indians Housing & Community Development Division | Assistance | Specific areas | View → |
| Fayetteville Homebuying HERO Program | City of Fayetteville Economic & Community Development Department | Forgivable loan | 1 city or town | View → |
| Forsyth County / Experiment in Self-Reliance New Century IDA Match Program | Experiment in Self-Reliance, Inc. | Assistance | 1 county | View → |
| Forsyth County Affordable Homeownership Opportunity Program (AHOP/HOME) | Forsyth County Community & Economic Development Department | Deferred loan | 1 county | View → |
| Greensboro Housing Authority HCV Homeownership Option | Greensboro Housing Authority | Assistance | Specific areas | View → |
| Greensboro Housing Connect GSO Public Service Heroes Homebuyer Assistance | City of Greensboro Housing & Neighborhood Development Department | Forgivable loan | 1 city or town | View → |
| Greenville 10% Affordable Housing Loan Assistance Program | City of Greenville Community Development Division | Repayable loan | 1 city or town | View → |
| Guilford County Homebuyer Down Payment Assistance Program | City of Greensboro Housing & Neighborhood Development | Forgivable loan | Specific areas | View → |
| HCV Homeownership Program | ASPIRE | Assistance | 1 county | View → |
| HS-1 Homeownership | City of New Bern Development Services Department | Assistance | Specific areas | View → |
| High Point City-Wide Homebuyer Assistance Program | City of High Point Community Development & Housing — Affordable Housing Division | Forgivable loan | Specific areas | View → |
| High Point Housing Authority Homeownership Program | Housing Authority of the City of High Point | Assistance | Not stated | View → |
| Homeownership Down Payment Assistance Program | City of Jacksonville Neighborhood Improvement Services | Deferred loan | 1 city or town | View → |
| Homes for Rocky Mount Heroes Program | Rocky Mount Housing Authority | Forgivable loan | 1 city or town | View → |
| House Charlotte Down Payment Assistance Program | DreamKey Partners | Deferred loan | 1 city or town | View → |
| Housing Authority of the City of Asheville Homeownership Program | Housing Authority of the City of Asheville | Assistance | 1 county | View → |
| Individual Development Account (IDA) Matching Funds | North Carolina Housing Finance Agency | Assistance | Specific areas | View → |
| NC Home Advantage Mortgage | North Carolina Housing Finance Agency | Forgivable loan | Statewide | View → |
| Self-Help Loan Pool (SHLP) | North Carolina Housing Finance Agency | Repayable loan | Statewide | View → |
North Carolina at a glance
DownPaymentMap tracks 34 verified North Carolina down payment assistance programs: 3 statewide and 31 local, with local programs in 20 counties and 14 cities and towns. Last updated October 15, 2026.
To cite this list: DownPaymentMap, "North Carolina down payment assistance programs," updated October 15, 2026, https://downpaymentmap.com/north-carolina.
Where each program applies
63 approved programs, drawn only where the program itself says it applies.
Darker areas have more approved programs. A soft glow marks a program for one city or town. Tap a county to see its list.
Statewide
Programs anywhere in North Carolina
Tap a county on the map to see what covers it.
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