: Provides stable, fixed-rate mortgages and down payment assistance up to 3% of the loan amount. It is available for both first-time and "move-up" buyers.

: Offers a federal tax credit of up to $2,000 annually for a portion of the mortgage interest paid over the life of the loan. Local City & County Programs

Many NC municipalities offer additional layers of funding that can sometimes be combined with state programs. Community Home Buying Programs | NCHFA

: Specifically for first-time buyers and military veterans, this program offers $15,000 in down payment help. The assistance is a 0% interest, deferred second mortgage that is fully forgiven if you live in the home for 15 years.

: Provides up to 25% of the sales price (max $50,000) in assistance for buyers with incomes below 80% of the area median.