DownPaymentMap

High Point NC Down Payment Assistance: Forgivable Loan

High Point City-Wide Homebuyer Assistance ProgramAdministered by City of High Point Community Development & Housing — Affordable Housing DivisionForgivable 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 High Point City-Wide Homebuyer Assistance Program?

The High Point City-Wide Homebuyer Assistance Program is a North Carolina homebuyer program that gives down payment assistance, closing cost help and prepaid expenses as a deferred, forgivable loan of up to $7,500. It is run by the City of High Point Community Development & Housing, Affordable Housing Division, for homes within High Point city limits that are outside the Core City.

Earnest-money and good-faith deposits are not covered.

High Point City-Wide Homebuyer Assistance Program at a glance

Maximum help
Up to $7,500.
Kind of help
A forgivable loan.
Interest and forgiveness
0% interest. Forgiven after 5 years.
Income limit
Household income up to 80% of the area median income for your county and household size.
Home price limit
The home may not exceed 95% of the area median purchase price for a single-family home.
Where
Specific areas. Read the exact rule below.
Buyer contribution
At least $500 of your own money
Liquid assets
$20,000 or less
Current funding status
Funding status could not be confirmed.
Who runs it
City of High Point Community Development & Housing — Affordable Housing Division

Check your eligibility

Answer a few quick questions to see whether High Point City-Wide Homebuyer Assistance Program and other North Carolina programs may fit you.

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How Much Down Payment Assistance Does High Point City-Wide Give?

The amount cannot exceed $7,500 for a home within High Point city limits.

Who Qualifies for High Point City-Wide Homebuyer Assistance?

These are the program's rules as the City states them.

  • Income: 80% or below area median income. The City's flyer shows an income table dated June 15, 2023.
  • Your own money: at least $500 toward the purchase.
  • Liquid assets: $20,000 or less.
  • Property: a single-family home that meets minimum housing code standards, and the home may not exceed 95% of the area median purchase price for a single-family home.
  • Occupancy: the home must be your own residence.
  • Lender: you must obtain a home loan from a participating lender.

The record does not say whether first-time buyer status, a minimum credit score or homebuyer education is required. Only the administrator decides who is accepted.

Is High Point City-Wide Assistance a Grant or a Loan?

It is a forgivable loan. It is a five-year loan at 0% interest, so there are no interest charges while it runs.

Do You Have to Pay Back High Point City-Wide Assistance?

The loan is forgiven at 20% per year over five years. The record does not list what triggers repayment if you leave the home early, so ask the City.

Where Is High Point City-Wide Assistance Available?

The program applies to homes within High Point city limits that are outside the Core City. The record does not give the exact Core City boundary, so check the address with the City before you make an offer.

How to Apply for High Point City-Wide Homebuyer Assistance

Contact the City of High Point Homebuyer Assistance program at 336-883-3349 and work with a participating lender to obtain an approved home loan. To compare other options, see North Carolina down payment assistance programs or find programs that may fit.

High Point City-Wide Example: Household of Two in Guilford County

A two-person household earning $50,000 a year looks at a $180,000 single-family home inside High Point, outside the Core City.

Illustration only

Where
High Point city, Guilford County
Household
2 people
Income
$50,000 a year
Home price
$180,000

About $7,500the program's maximum

May fit, with a question on the rules below, checked against the current record.

  • Where: Applies to specific areas. Read the exact rule on the program page.
  • Property: A single-family home.
  • Income: Within the limit of $58,600 for a household of 2 in their county (80% of area median income).
  • First-time buyer: They count as a first-time buyer.
  • Home price: No maximum home price is stated.
  • Who it is for: Open to anyone.
  • Funding: Funding could not be confirmed.

An example household, not a quote. Only the administrator decides who qualifies and for how much.

Questions about High Point City-Wide Homebuyer Assistance Program

What is the income limit for High Point City-Wide homebuyer assistance?

80% or below area median income. The City's flyer displays an income table labeled effective June 15, 2023.

How much does the High Point City-Wide Homebuyer Assistance Program give?

Up to $7,500 for a home within High Point city limits.

Can repeat buyers use High Point City-Wide assistance?

The record does not say whether first-time buyer status is required, so ask the City.

Does High Point City-Wide assistance pay closing costs?

Yes. It covers down payment, closing costs and prepaid expenses, but not earnest-money or good-faith deposits.

Do I have to pay back High Point City-Wide assistance?

It is a five-year loan at 0% interest, forgiven at 20% per year.

Is High Point City-Wide assistance available in every part of High Point?

No. It applies to homes within city limits that are outside the Core City.

How do I apply for High Point City-Wide homebuyer assistance?

Call the City at 336-883-3349 and work with a participating lender to obtain an approved home loan.

Complete High Point City-Wide Homebuyer Assistance 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 High Point
  • Last verified October 13, 2026
  • Current funding status could not be confirmed
View all 19 verified program details ↓

  1. 1 of 19

    Program name

    High Point City-Wide Homebuyer Assistance Program

    From the official source

  2. 2 of 19

    Who runs it

    City of High Point Community Development & Housing — Affordable Housing Division

    336-883-3349

    From the official source

  3. 3 of 19

    Kind of help

    A forgivable loan.

    Deferred homebuyer assistance for down payment, closing costs, and pre-paid expenses; earnest-money/good-faith deposits are excluded.

    From the official source

  4. 4 of 19

    Maximum amount

    Up to $7,500.

    The amount shall not exceed a maximum level of $7,500 for a home within the High Point city limits.

    From the official source

  5. 5 of 19

    Amount tiers

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

  6. 6 of 19

    Forgiveness, interest and term

    0% interest. Forgiven after 5 years.

    Five-year loan at 0% interest, forgiven at 20% per year.

    From the official source

  7. 7 of 19

    Income limit

    Household income up to 80% of the area median income for your county and household size.

    Buyer must be income eligible at 80% or below area median income. The linked flyer displays a household-size income table labeled effective June 15, 2023.

    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 home may not exceed 95% of the area median purchase price for a single-family home.

    From the official source

  10. 10 of 19

    Other must-know rules

    You must live in the home as your primary residence.

    Buyer must provide at least $500 of their own funds toward the purchase, have $20,000 or less in liquid assets, obtain a home loan from a participating lender, and the property must meet minimum housing code standards.

    From the official source

  11. 11 of 19

    Where it applies

    Specific areas. Read the exact rule below.

    Homes within High Point city limits that are outside the Core City.

    Exceptions: City-Wide Homebuyer Assistance applies to all properties outside the Core City.

    From the official source

  12. 12 of 19

    Current funding status

    Funding status could not be confirmed.

    The City currently publishes the program and flyer but does not expressly state whether funds are currently available for new commitments.

    Checked 2026-10-05.

    From the official source

  13. 13 of 19

    How to apply

    Contact the City of High Point Homebuyer Assistance program at 336-883-3349 and work with a participating lender to obtain an approved home loan.

    From the official source

  14. 14 of 19

    Official source

    https://www.highpointnc.gov/247/City-Wide-Homebuyer-Assistance-Program

  15. 15 of 19

    Dates

    The program flyer states that its displayed income guidelines are effective June 15, 2023.

    From the official source

  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

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

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.

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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 High Point City-Wide Homebuyer Assistance 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 High Point Community Development & Housing — Affordable Housing Division or a participating lender before you rely on a figure. Record version 3.

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