Help to buy in North Carolina
Home-buying assistance programs in North Carolina
3 official programs for down payment and closing cost help in North Carolina, from North Carolina Housing Finance Agency. We show what each program says on its own page, with the date we checked it.
Key numbers in North Carolina
- Verified programs
- 3
- from North Carolina Housing Finance Agency
- First-time buyers only
- 1
- 2 do not require it or their pages do not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Forgivable
Second loan forgiven if you stay in the home
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Type not stated
The source does not say the type of help
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Deferred
Second loan with no payments until you sell or refinance
The full list
Programs in North Carolina
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Forgivable
NCHFA fixed-rate mortgage with down payment assistance, for first-time buyers and for people who have owned a home before, in North Carolina
What it gives, per the source
For both first-time and move-up home buyers, our NC Home Advantage Mortgage™ provides qualified individuals with stable, fixed-rate mortgages and down payment assistance up to 3% of the loan amount. … Repayment of all of our down payment options is required only if you sell, refinance or transfer your home before year 15—the down payment assistance is forgiven at 20% per year at the end of years 11–15, with complete forgiveness at the end of year 15.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by North Carolina Housing Finance Agency (NCHFA)
Verified November 5, 2026
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- Type not stated
A fixed amount of NCHFA down payment assistance for first-time buyers and veterans in North Carolina
What it gives, per the source
$15,000 down payment assistance option
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by North Carolina Housing Finance Agency (NCHFA)
Verified November 5, 2026
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- Deferred
NCHFA interest-free loan with deferred payments of up to 25% of the price (maximum $50,000) for the down payment of low- and moderate-income buyers in North Carolina; you apply through a member organization
What it gives, per the source
Borrowers can receive up to 25% of the sales price or a maximum loan of $50,000, whichever is less. Our assistance is provided as a zero interest, subordinate loan that must be combined with an NC Home Advantage Mortgage™ or a USDA Section 502 Direct loan.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by North Carolina Housing Finance Agency (NCHFA)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in North Carolina
One program we checked in North Carolina to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program
Run by North Carolina Department of Environmental Quality (DEQ), State Energy Office
North Carolina weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in North Carolina?
Of the 3 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.