DownPaymentMap

Jacksonville NC Down Payment Assistance: Deferred Loan

Homeownership Down Payment Assistance ProgramAdministered by City of Jacksonville Neighborhood Improvement ServicesDeferred loanNorth Carolina

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

Published · Updated · Facts verified against the official source

What Is the Jacksonville Homeownership Down Payment Assistance Program?

The Jacksonville Homeownership Down Payment Assistance Program is a North Carolina homebuyer program that gives down payment assistance as a 0% interest deferred loan, with the City stating up to 25% of the sales price. It is run by City of Jacksonville Neighborhood Improvement Services for homes inside Jacksonville city limits, and it works in conjunction with the North Carolina Housing Finance Agency Community Partner Loan Pool.

The property must be new construction and pass a City minimum housing code inspection.

Homeownership Down Payment Assistance Program at a glance

Maximum help
Up to 25% of the purchase price.
Kind of help
A deferred loan.
Interest and forgiveness
0% interest.
Income limit
Household income up to 80% of the area median income for your county and household size.
First-time buyers only?
Applicant must not currently own a home.
Credit
Applicant must have a good credit history for the past 12 months.
Where
Jacksonville city.
Homebuyer education
Required.
Net worth limit
Not over $15,000
Property
New construction passing City housing inspection
Current funding status
Funding status could not be confirmed.
Who runs it
City of Jacksonville Neighborhood Improvement Services

What that could look like in dollars

Home priceUp to
$200,000$50,000
$250,000$62,500
$300,000$75,000
$350,000$87,500
$400,000$100,000

Illustration only. Up to 25% of the purchase price. The administrator decides the actual amount.

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How Much Down Payment Assistance Does Jacksonville Give?

The City says the program works with the NC Housing Finance Agency Community Partner Loan Pool, which provides up to 25% of the sales price in assistance. The record does not say whether that 25% covers the combined City and Loan Pool package or only the Loan Pool part, and no dollar maximum is stated.

Who Qualifies for Jacksonville Down Payment Assistance?

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

  • Income: household income below 80% of area median income, using HUD limits.
  • Homeownership: you must not currently own a home. No first-time buyer lookback rule is stated.
  • Net worth: not over $15,000.
  • Credit: a good credit history for the past 12 months; no minimum score is stated.
  • Employment: at least one year of stable employment or income.
  • Property: new construction that passes a City minimum housing code inspection, and stays your principal residence.
  • Mortgage: you must be approved for the first mortgage before receiving assistance.

Only the administrator decides who is accepted.

Is Jacksonville Down Payment Assistance a Grant or a Loan?

It is a deferred loan at 0% interest, so it is repayable rather than a grant. The loan is not forgiven on a schedule in the record.

Do You Have to Pay Back Jacksonville Down Payment Assistance?

Yes. The loan is due in full at the end of the first mortgage term, upon resale, or if the home is converted to a rental unit.

Where Is Jacksonville Down Payment Assistance Available?

The property must be located within Jacksonville city limits.

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 Jacksonville. Where the program applies, from its approved record.

How to Apply for Jacksonville Down Payment Assistance

Complete the City's Homeownership Down Payment Assistance Application and submit it with the required documentation to Neighborhood Improvement Services, or contact the office at 910-938-5286. You must also complete a homebuyers education course. To compare other options, see North Carolina down payment assistance programs or find programs that may fit.

Jacksonville Down Payment Assistance Example: Household of Two

A two-person household earning $48,000 a year looks at a $190,000 new-construction home inside Jacksonville.

Illustration only

Where
Jacksonville city, Onslow County
Household
2 people
Income
$48,000 a year
Home price
$190,000

About $47,50025% of the purchase price

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

  • Where: Covers their city or town.
  • Property: Single-family homes.
  • Income: Within the limit of $54,650 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 Homeownership Down Payment Assistance Program

What is the income limit for Jacksonville down payment assistance?

Household income must be below 80% of area median income, using HUD limits.

How much down payment assistance does the Jacksonville program give?

The City says the NC Community Partner Loan Pool, which the program works with, provides up to 25% of the sales price. No dollar maximum is stated.

Can repeat buyers use the Jacksonville program?

The record states only that you must not currently own a home. No first-time buyer lookback rule is stated.

Do I have to pay back Jacksonville down payment assistance?

Yes. The loan is due in full at the end of the first mortgage term, upon resale, or if the home is converted to a rental unit.

Does the Jacksonville program require new construction?

Yes. The property must be new construction and pass a City minimum housing code inspection.

Can I use Jacksonville down payment assistance outside city limits?

No. The property must be within Jacksonville city limits.

How do I apply for Jacksonville down payment assistance?

Submit the City's application with the required documentation to Neighborhood Improvement Services, or call 910-938-5286.

Complete Homeownership Down Payment 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; 14 stated by the program
  • 4 official sources checked from City of Jacksonville
  • Last verified October 13, 2026
  • Current funding status could not be confirmed
View all 19 verified program details ↓

  1. 1 of 19

    Program name

    Homeownership Down Payment Assistance Program

    From the official source

  2. 2 of 19

    Who runs it

    City of Jacksonville Neighborhood Improvement Services

    910-938-5286

    From the official source

  3. 3 of 19

    Kind of help

    A deferred loan.

    0% interest deferred mortgage for down payment assistance, offered in conjunction with the North Carolina Housing Finance Agency Community Partner Loan Pool.

    From the official source
    • “The Homeownership Assistance Program is designed to assist families with purchasing a home of their own within Jacksonville City limits by providing a 0% interest, deferred mortgage to help with the down payment in conjunction with NC Housing Finance Agency Community Partner Loan Pool program which provides up to 25% of the sales price in assistance.”

      https://www.jacksonvillenc.gov/147/Housing-Programs-Courses · Web page, Homeownership Assistance Program

    • “The loan is a 0% interest deferred payment loan, due in full either at the end of the first mortgage term, upon resale, or conversion to a rental unit.”

      https://www.jacksonvillenc.gov/150/Homeownership-Assistance · Web page, opening paragraphs

  4. 4 of 19

    Maximum amount

    Up to 25% of the purchase price.

    The City states that the program works in conjunction with the NC Housing Finance Agency Community Partner Loan Pool, which provides up to 25% of the sales price in assistance.

    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.

    The loan is due in full at the end of the first mortgage term, upon resale, or if the home is converted to a rental unit.

    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.

    Qualified families must fall below 80% of the area median income; Jacksonville states that participants in HUD-funded Neighborhood Improvement Services programs must have household income of less than 80% of area median income.

    From the official source

  8. 8 of 19

    First-time buyer rule

    Applicant must not currently own a home.

    From the official source

  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

    You must live in the home as your primary residence. Eligible property types: single family, condo, townhome, modular.

    Property must be new construction, pass a City minimum housing code inspection, and be maintained as the buyer's principal residence. Applicant must not currently own a home, have net worth not over $15,000, have a good credit history for the past 12 months, have at least one year of stable employment or income, complete a homebuyers education course, meet HUD household income limits, and be approved for the first mortgage loan before receiving assistance.

    From the official source

  11. 11 of 19

    Where it applies

    Jacksonville city.

    Property must be located in the Jacksonville City limits.

    From the official source

  12. 12 of 19

    Current funding status

    Funding status could not be confirmed.

    The City maintains a current program page and downloadable application, but the official sources reviewed do not explicitly state that down-payment funds are currently available.

    Checked 2026-10-05.

    From the official source

  13. 13 of 19

    How to apply

    Complete the City's Homeownership Down Payment Assistance Application and submit it with required documentation to Neighborhood Improvement Services, Attn: Tracy Jackson, PO Box 128, Jacksonville, NC 28541-0128, or contact tjackson@jacksonvillenc.gov / 910-938-5286.

    From the official source

  14. 14 of 19

    Official source

    https://www.jacksonvillenc.gov/150/Homeownership-Assistance

  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

    Applicant must have a good credit history for the past 12 months.

    From the official source

  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.

    Applicant must complete Homebuyers Education Course.

    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.

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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 Homeownership Down Payment 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 Jacksonville Neighborhood Improvement Services or a participating lender before you rely on a figure. Record version 2.

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