North Carolina · Deferred loan

NC Community Partners Loan Pool (CPLP)

Up to 25% of price — stackable to $65K+

Up to 25% of sales price for buyers under 80% AMI. Can stack with NC Home Advantage for up to $65K total.

NCHFA's Community Partners Loan Pool provides DPA through a network of nonprofit organizations and local governments across North Carolina. The community-based delivery model ensures assistance reaches buyers in urban, suburban, and rural areas alike.

AmountUp to 25% of price — stackable to $65K+
TypeDeferred loan
Available inNorth Carolina
First-time buyer requiredYes
Minimum credit score640
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 Mortgage Credit Certificate Annual tax credit for life of loan
North Carolina · Annual tax credit
All North Carolina programs →

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We'll show you how to combine NC Community Partners Loan Pool (CPLP) with other programs to maximize your free money — personalized to your ZIP code and income.

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