Homeโ€บ๐Ÿ  Housingโ€บNC Home Advantage Mortgage + Down Payment
State Program๐Ÿ  HousingNorth Carolina only

NC Home Advantage Mortgage + Down Payment

Administered by NC Housing Finance Agency ยท nchfa.com

Below-market rate mortgages with down payment assistance for NC homebuyers.

Eligibility requirements

  • โœ“NC resident
  • โœ“Income โ‰ค$134,000
  • โœ“640+ credit score
  • โœ“Purchase price limits apply

How to apply

Apply directly on the official website. GrantLantern does not process applications โ€” we link you directly to the source.

Apply at nchfa.com โ†’

Opens the official source. GrantLantern is not affiliated with this program.

Program details sourced from official government and agency websites. Eligibility is determined by the administering agency โ€” not GrantLantern. Verify current requirements at the official source before applying.

Related programs in Housing

Covers rent above 30% of income

Housing Choice Voucher (Section 8)

Federal rental assistance for low-income families, elderly, and disabled. Tenants pay 30% of income; voucheโ€ฆ

View details โ†’
Up to $10,000 grant / $40,000 loan

USDA Home Repair Grants (Section 504)

Grants and loans for very low-income rural homeowners to repair homes or remove health/safety hazards.

View details โ†’
$300โ€“$800/year utility help

LIHEAP Energy Assistance

Helps low-income households pay heating and cooling costs. Administered locally through Community Action Agโ€ฆ

View details โ†’
Up to $10,000 grant / 1% interest mortgage

USDA Rural Housing Direct Loan & Grant

Provides very-low-income rural residents with home repair grants and 1% interest home loans. The Section 50โ€ฆ

View details โ†’