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HS-1 Homeownership: Down Payment Help in New Bern

HS-1 HomeownershipAdministered by City of New Bern Development Services DepartmentAssistanceNorth Carolina

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

Published · Facts verified against the official source

What Is HS-1 Homeownership in New Bern?

HS-1 Homeownership is a North Carolina homebuyer program in New Bern that provides down payment assistance, and it is run by the City of New Bern Development Services Department. It also lists closing cost assistance and requires housing counseling training. It is aimed at low- and moderate-income households who wish to become homeowners in Greater Five Points and other low- and moderate-income areas of the city.

HS-1 appears as a goal in the city's Consolidated Plan. The record does not state an amount, a loan type or an application process.

HS-1 Homeownership at a glance

Kind of help
Down payment assistance, closing cost assistance, and required housing counseling training for low- and moderate-income households who wish to become homeowners.
Income limit
Low- and moderate-income households.
Where
Specific areas. Read the exact rule below.
Homebuyer education
Required.
Current funding status
Funding status could not be confirmed.
Who runs it
City of New Bern Development Services Department

Check your eligibility

Answer a few quick questions to see whether HS-1 Homeownership and other North Carolina programs may fit you.

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How Much Help Does HS-1 Homeownership Give?

The record does not state a maximum amount per buyer, and it does not say whether the help is a grant, a forgivable loan or a deferred loan. It also states no interest rate, forgiveness period or repayment terms.

Because of that, you cannot tell from public records how much a buyer could receive. Ask the city before you plan around any figure.

Who Qualifies for HS-1 Homeownership?

The plan describes who the goal is meant to help, but it does not set detailed rules.

  • Income: Low- and moderate-income households; no income limit or percentage of area median income is stated.
  • Homebuyer education: Housing counseling training is required.
  • First-time or repeat buyers: Not stated.
  • Credit score, price limit, property types and occupancy: Not stated.

Only the City of New Bern decides who qualifies.

Where Is HS-1 Homeownership Available?

HS-1 is a New Bern program. The plan names Greater Five Points and Low- and Moderate-Income Areas as its target areas. The record does not give the exact boundary, so ask the city whether a specific address is covered. There is no coverage map for these areas.

Is HS-1 Homeownership Funded Right Now?

The funding status for HS-1 is unknown, as checked on September 26, 2026. The city's five-year plan assigns CDBG funding to the goal. Its first annual action plan lists other projects and none for HS-1. No official source located states that HS-1 funds are currently available.

Contact the city before you count on this help. You can also compare other North Carolina down payment assistance programs or see which programs may fit you.

How to Reach the HS-1 Homeownership Administrator

The City of New Bern Development Services Department runs HS-1. The record lists its phone and email, and they appear in the complete record below. No application steps or application address are stated.

Questions about HS-1 Homeownership

Does HS-1 Homeownership give down payment assistance?

Yes, the plan lists down payment assistance as the aim of HS-1 Homeownership, along with closing cost assistance. The record does not state an amount or how it is paid.

What is the income limit for HS-1 Homeownership?

The record says only low- and moderate-income households. It states no dollar limit and no percentage of area median income.

Is HS-1 Homeownership available in all of New Bern?

The record names Greater Five Points and Low- and Moderate-Income Areas, not the whole city. The exact boundary is not stated, so ask the city about your address.

Is HS-1 Homeownership funded right now?

The funding status is unknown as of September 26, 2026. No official source located states that HS-1 funds are currently available.

Do you have to take housing counseling for HS-1 Homeownership?

Yes. The goal requires housing counseling training, but the record gives no details on who provides it or how long it takes.

Can repeat buyers use HS-1 Homeownership?

The record does not say whether first-time buyers are required, so it is not stated. Ask the City of New Bern Development Services Department.

Complete HS-1 Homeownership 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; 9 stated by the program
  • 1 official source checked from City of New Bern
  • Last verified September 26, 2026
  • Current funding status could not be confirmed
View all 19 verified program details ↓

  1. 1 of 19

    Program name

    HS-1 Homeownership

    From the official source

  2. 2 of 19

    Who runs it

    City of New Bern Development Services Department

    (252) 639-7586

    fulmored@newbernnc.gov

    From the official source

  3. 3 of 19

    Kind of help

    Down payment assistance, closing cost assistance, and required housing counseling training for low- and moderate-income households who wish to become homeowners.

    From the official source

  4. 4 of 19

    Maximum amount

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

  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

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

  7. 7 of 19

    Income limit

    Low- and moderate-income households.

    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

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

  11. 11 of 19

    Where it applies

    Specific areas. Read the exact rule below.

    Greater Five Points; Low- and Moderate-Income Areas.

    From the official source

  12. 12 of 19

    Current funding status

    Funding status could not be confirmed.

    The FY 2024-2028 Consolidated Plan assigns $20,000 of CDBG funding to HS-1 with a five-year outcome of 4 homebuyers, but the FY 2024 Annual Action Plan lists only Administration, Demolition/Clearance, and Streets & Sidewalks as FY 2024 projects. No official source located states that HS-1 funds are currently available.

    Checked 2026-09-26.

    From the official source

  13. 13 of 19

    How to apply

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

  14. 14 of 19

    Official source

    https://cms7files.revize.com/newbernnc/document_center/Development%20Services/CDAC/FY%202024-2028%20Five%20Year%20Consolidated%20Plan%20for%20New%20Bern.pdf

  15. 15 of 19

    Dates

    FY 2024-2028 Five-Year Consolidated Plan, dated July 23, 2024; HS-1 goal years 2024-2028.

    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

    Required.

    The goal requires housing counseling training.

    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 HS-1 Homeownership

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 New Bern Development Services 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.