City of Charlotte · Forgivable loan

House Charlotte

$80,000

$10K (80-110% AMI), $30K (≤80% AMI), or $80K for city employees. 0% forgivable after 15-30 years.

Charlotte-area DPA programs help buyers in North Carolina's largest city. Charlotte's banking industry and growing tech sector have driven significant housing demand. Local DPA helps residents compete in the Queen City's appreciating market.

Amount$80,000

TypeForgivable loan

Available inNorth Carolina

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

NC Home Advantage Mortgage 3% of loan amount — repeat buyers welcome

North Carolina · Deferred 0% loan

NC 1st Home Advantage Down Payment $15,000

North Carolina · Forgivable loan

NC Community Partners Loan Pool (CPLP) Up to 25% of price — stackable to $65K+

North Carolina · Deferred loan

All North Carolina programs →

Get your free stacking strategy

We'll show you how to combine House Charlotte with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →

All North Carolina programs →