Family receiving the keys to their new home

North Carolina

Find homebuyer programs worth exploring.

Filter down-payment assistance, local programs and low/no-down-payment financing paths without confusing a possibility with an approval.

NCHFARaleighDurhamFHLBank AtlantaUSDA / VAITIN / Lender Programs

Assistance Finder

Tell me about your purchase.

These questions filter programs that may be worth investigating. No loan application is submitted, and the result does not determine whether you qualify.

Tip: if you do not know your exact income, purchase price or credit profile yet, you can leave those answers open. The finder will simply mark more programs as “worth checking.”

Where are you planning to buy?Household sizeApproximate annual household income

Approximate purchase price

Approximate credit rangeMortgage document type

Will this be your primary residence?

Are you a first-time home buyer?

For many programs: you have not owned your principal residence during the past 3 years.

Potential military / VA eligibility?

Would you consider a USDA-eligible area?

Do you work in one of these fields?

Used only to surface potential Community Partners programs; it does not imply eligibility.

Your results will appear here.

Complete the questions above and select Find programs.

Official sources

Rules can change.

Information reviewed 2026-08-27. Limits, funding and participating lenders can change without notice. Always verify the current version directly with the program and lender.

FAQ

Before you rely on assistance

Does a result mean I qualify?

No. The finder compares your answers with selected public criteria to surface programs worth investigating. Final eligibility depends on the program, lender, verified income, credit, property, available funding and other requirements.

What does first-time home buyer mean?

Many programs included here treat a first-time buyer as someone who has not owned their principal residence during the prior three years, although each program can have additional rules or exceptions.

Can assistance programs be combined?

Sometimes. Some programs allow layering while others restrict combinations. For example, NCHFA publishes that CPLP can be combined with certain assistance products. The exact structure must be confirmed before relying on it.

Are funds always available?

No. Local and FHLBank programs can depend on annual allocations, participating institutions and first-come, first-served funding.