North Carolina program
North Carolina route through North Carolina Housing Finance Agency. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
Quick answer from published facts. Go to North Carolina program hub
Up to 25% of the sales price, not to exceed $50,000, when combined with an NC Home Advantage Mortgage. Or up to 10% of the purchase price when combined with a USDA Section 502 loan.
Deferred second mortgage
The official CPLP page states the assistance is a 0% interest deferred second mortgage with no monthly payment. The CPLP loan is typically repaid when the home is sold or at the end of the first-mortgage term.
Unknown
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
Qualified homebuyers with household income not exceeding 80% of AMI
Up to 25% of the sales price, not to exceed $50,000, when combined with an NC Home Advantage Mortgage. Or up to 10% of the purchase price when combined with a USDA Section 502 loan.
The official CPLP page states the assistance is a 0% interest deferred second mortgage with no monthly payment. The CPLP loan is typically repaid when the home is sold or at the end of the first-mortgage term.
Contact a CPLP member before signing a sales contract, complete approved homebuyer education and at least two hours of in-person counseling, then work with the CPLP member and first-mortgage lender through the readiness and closing process.
The official NCHFA CPLP page states that qualified buyers can receive up to 25% of the sales price, not to exceed $50,000, and that the assistance is a 0% deferred second mortgage with no monthly payment, typically repaid at sale or at the end of the loan term.
2026-04-19
2022-09-01
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Comparison preview
Amount: Up to 25% of the sales price, not to exceed $50,000, when combined with an NC Home Advantage Mortgage. Or up to 10% of the purchase price when combined with a USDA Section 502 loan.
Repayment: The official CPLP page states the assistance is a 0% interest deferred second mortgage with no monthly payment. The CPLP loan is typically repaid when the home is sold or at the end of the first-mortgage term.
First-time buyer: Unknown
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Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for North Carolina.
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Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
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City and county down payment or closing-cost programs that never make it into the free statewide layer.
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Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
2 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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