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Fayetteville NC Down Payment Assistance: HERO Program

Fayetteville Homebuying HERO ProgramAdministered by City of Fayetteville Economic & Community Development DepartmentForgivable loanNorth Carolina

Reviewed by Tyler Thompson, holds real estate licenses in North Carolina and South Carolina

Published · Facts verified against the official source

What Is the Fayetteville Homebuying HERO Program?

The Fayetteville Homebuying HERO Program is a North Carolina homebuyer program that gives down payment assistance as zero-interest forgivable gap financing, run by the City of Fayetteville Economic & Community Development Department. It offers up to $20,000 for the Citizen HERO track and up to $30,000 for the Public Service HERO track. The home must be within Fayetteville city limits.

The record does not state which first mortgage types it works with. Compare it with other North Carolina down payment assistance programs.

Fayetteville Homebuying HERO Program at a glance

Maximum help
Up to $30,000.
Kind of help
A forgivable loan.
Interest and forgiveness
0% interest.
Income limit
Household income up to 120% of the area median income for your county and household size.
Where
Fayetteville city.
Homebuyer education
Required.
Current funding status
Funding status could not be confirmed.
Who runs it
City of Fayetteville Economic & Community Development Department

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How Much Down Payment Assistance Does Fayetteville HERO Give?

The amount depends on which track you use. Citizen HERO is up to $20,000 in gap financing. Public Service HERO is up to $30,000 in gap financing.

Who Qualifies for the Fayetteville Homebuying HERO Program?

There are two tracks, and both share the same income rule.

  • Income: Gross income at or below 120% of area median income, adjusted for family size.
  • Citizen HERO: For current or future City of Fayetteville residents.
  • Public Service HERO: For federal, state and local government employees, public and private healthcare professionals, employees of public and private educational schools and institutions, City of Fayetteville retirees, and public service retirees.
  • Residency: The home must be within the city limits of Fayetteville.
  • Credit score, price limit, property types and occupancy: not stated.

The City of Fayetteville decides who qualifies.

Is Fayetteville HERO a Grant or a Loan?

It is a forgivable loan, offered as gap financing at 0% interest. The record does not state how many years it takes to be forgiven or what triggers repayment, so ask the City before you apply.

Do You Have to Pay Back the Fayetteville HERO Loan?

The record does not state a forgiveness schedule or repayment terms. Because the help is a forgivable loan, ask the City of Fayetteville how forgiveness works and what would require repayment before you sign.

Where Is the Fayetteville HERO Program Available?

The home must be within the city limits of Fayetteville. Homes elsewhere in Cumberland County are outside this program's area, so confirm an address with the City before you make an offer.

Alamance CountyAlexander CountyAlleghany CountyAnson CountyAshe CountyAvery CountyBeaufort CountyBertie CountyBladen CountyBrunswick CountyBuncombe CountyBurke CountyCabarrus CountyCaldwell CountyCamden CountyCarteret CountyCaswell CountyCatawba CountyChatham CountyCherokee CountyChowan CountyClay CountyCleveland CountyColumbus CountyCraven CountyCumberland CountyCurrituck CountyDare CountyDavidson CountyDavie CountyDuplin CountyDurham CountyEdgecombe CountyForsyth CountyFranklin CountyGaston CountyGates CountyGraham CountyGranville CountyGreene CountyGuilford CountyHalifax CountyHarnett CountyHaywood CountyHenderson CountyHertford CountyHoke CountyHyde CountyIredell CountyJackson CountyJohnston CountyJones CountyLee CountyLenoir CountyLincoln CountyMcDowell CountyMacon CountyMadison CountyMartin CountyMecklenburg CountyMitchell CountyMontgomery CountyMoore CountyNash CountyNew Hanover CountyNorthampton CountyOnslow CountyOrange CountyPamlico CountyPasquotank CountyPender CountyPerquimans CountyPerson CountyPitt CountyPolk CountyRandolph CountyRichmond CountyRobeson CountyRockingham CountyRowan CountyRutherford CountySampson CountyScotland CountyStanly CountyStokes CountySurry CountySwain CountyTransylvania CountyTyrrell CountyUnion CountyVance CountyWake CountyWarren CountyWashington CountyWatauga CountyWayne CountyWilkes CountyWilson CountyYadkin CountyYancey County
Covers the city of Fayetteville. Where the program applies, from its approved record.

How to Apply for the Fayetteville Homebuying HERO Program

Start by attending the First Time Homebuyers Workshop. Then, if necessary, complete personalized one-on-one counseling with a HUD-certified housing counseling agency. You submit the application through a participating lender. The City's phone number is 910-433-1329. The record does not say whether funds are currently available, so ask when you call. To see other options, find programs that may fit you.

Questions about Fayetteville Homebuying HERO Program

What is the income limit for the Fayetteville Homebuying HERO Program?

Gross income must be at or below 120% of area median income, adjusted for family size.

How much does the Fayetteville HERO Program give?

Up to $20,000 in gap financing for Citizen HERO, or up to $30,000 for Public Service HERO.

Who can use the Public Service HERO track in Fayetteville?

Federal, state and local government employees, public and private healthcare professionals, employees of public and private educational schools and institutions, City of Fayetteville retirees, and public service retirees.

Is the Fayetteville HERO Program loan forgivable?

Yes. It is a zero-interest forgivable loan, though the record does not state the forgiveness schedule.

Does the Fayetteville HERO Program cover homes outside the city?

No. The home must be within the city limits of Fayetteville.

Do you need homebuyer education for Fayetteville HERO?

Yes. The first step is the First Time Homebuyers Workshop, followed by one-on-one counseling with a HUD-certified housing counseling agency if necessary.

How do I apply for the Fayetteville Homebuying HERO Program?

Attend the workshop, complete counseling if needed, and submit the application through a participating lender.

Complete Fayetteville Homebuying HERO Program program record

The nineteen things a buyer needs to know, in the same order on every program page, each checked against the program’s official sources. Where the program does not state one, this says so.

  • 19 program details reviewed; 13 stated by the program
  • 2 official sources checked from City of Fayetteville
  • Last verified October 3, 2026
  • Current funding status could not be confirmed
View all 19 verified program details ↓

  1. 1 of 19

    Program name

    Fayetteville Homebuying HERO Program

    From the official source

  2. 2 of 19

    Who runs it

    City of Fayetteville Economic & Community Development Department

    910-433-1329

    From the official source

  3. 3 of 19

    Kind of help

    A forgivable loan.

    Zero-interest forgivable gap financing toward the purchase of a home within Fayetteville city limits.

    From the official source

  4. 4 of 19

    Maximum amount

    Up to $30,000.

    Citizen HERO: up to $20,000 in gap financing. Public Service HERO: up to $30,000 in gap financing.

    From the official source

  5. 5 of 19

    Amount tiers

    The amount varies by tier.

    {"Citizen HERO":{"eligible_group":"current or future City of Fayetteville residents","max_assistance_usd":20000},"Public Service HERO":{"eligible_group":"federal, state and local government employees; public and private healthcare professionals; public and private educational employees; City of Fayetteville and public service retirees","max_assistance_usd":30000}}

    From the official source
    • “Citizen Hero Who: Current or future City of Fayetteville residents How Much: Up to $20,000 in gap financing ... Public Service Hero Who: All federal, state and local government employees, all public and private healthcare professionals, and employees of public and private educational schools and institutions. Retirees of the City of Fayetteville and public service retirees are also eligible. How Much: Up to $30,000 in gap financing”

      https://www.fayettevillenc.gov/City-Departments/Economic-Community-Development/Homebuying-Hero-Program · Citizen Hero and Public Service Hero sections

  6. 6 of 19

    Forgiveness, interest and term

    0% interest.

    From the official source

  7. 7 of 19

    Income limit

    Household income up to 120% of the area median income for your county and household size.

    Applicant must have a gross income at or below 120% of area median income adjusted for family size.

    From the official source

  8. 8 of 19

    First-time buyer rule

    The program does not state this. Ask the administrator before relying on it.

  9. 9 of 19

    Maximum home price

    The program does not state this. Ask the administrator before relying on it.

  10. 10 of 19

    Other must-know rules

    Citizen HERO is for current or future City of Fayetteville residents. Public Service HERO includes federal, state and local government employees, public and private healthcare professionals, employees of public and private educational schools and institutions, City of Fayetteville retirees, and public service retirees.

    From the official source

  11. 11 of 19

    Where it applies

    Fayetteville city.

    The home must be within the city limits of Fayetteville.

    From the official source

  12. 12 of 19

    Current funding status

    Funding status could not be confirmed.

    The current official program page describes the program and application process but does not explicitly state that funds are currently available or publish a remaining balance.

    Checked 2026-10-03.

    From the official source

  13. 13 of 19

    How to apply

    Attend the First Time Homebuyers Workshop, complete personalized one-on-one counseling with a HUD-certified housing counseling agency if necessary, and submit the application through a participating lender.

    From the official source

  14. 14 of 19

    Official source

    https://www.fayettevillenc.gov/City-Departments/Economic-Community-Development/Homebuying-Hero-Program

  15. 15 of 19

    Dates

    The program does not state this. Ask the administrator before relying on it.

  16. 16 of 19

    Report a mistake

    Use the form on this page.

  17. 17 of 19

    Credit requirements

    The program does not state this. Ask the administrator before relying on it.

  18. 18 of 19

    Eligible loan types

    The program does not state this. Ask the administrator before relying on it.

  19. 19 of 19

    Homebuyer education

    Required.

    The first step for a potential homebuyer is to attend the First Time Homebuyers Workshop. The buyer then attends personalized one-on-one counseling with a HUD-certified housing counseling agency if necessary before becoming eligible to apply.

    From the official source

Report a mistake

If a figure here does not match the program’s own terms, tell us. Every report is read by a person and checked against the official source before the record changes.

A link to the official page or document helps most. Please do not include account numbers, your Social Security number or other financial details.

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Programs differ in how much they give, who they are for, where they apply and how they are repaid. These may be worth comparing.

Compare all North Carolina programs →

Official sources for Fayetteville Homebuying HERO Program

The facts on this page were taken from these sources. Read the program’s own terms there before you rely on a figure.

Visit the official source →

Program rules can change. Confirm current terms with City of Fayetteville Economic & Community Development Department or a participating lender before you rely on a figure. Record version 1.

Educational information, not a loan offer or an eligibility decision. Read the disclaimer or how we verify programs.