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North Carolina program

Community Partners Loan Pool (CPLP)

North Carolina route through North Carolina Housing Finance Agency. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Check official rules 2026-04-19
Agency North Carolina Housing Finance Agency
Support type Deferred second mortgage
Amount highlight 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.
Last verified 2026-04-19

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to North Carolina program hub if you need the wider state context.

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.

Type

Deferred second mortgage

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

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Qualified homebuyers with household income not exceeding 80% of AMI

What support do you get?

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.

Do you repay it?

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.

How do you apply?

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.

Application timing

Contact a CPLP member before signing a sales contract; only the member may apply on the buyer's behalf, and buyers should allow usually more than 60 days for readiness review, education, counseling, document collection, and inspections.

Official source evidence

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.

View official source

Last verified

2026-04-19

2022-09-01

Paid preview

What paid access adds for Community Partners Loan Pool (CPLP)

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Comparison preview

Community Partners Loan Pool (CPLP)

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

Timing: Contact a CPLP member before signing a sales contract; only the member may apply on the buyer's behalf, and buyers should allow usually more than 60 days for readiness review, education, counseling, document collection, and inspections.

Risk checks preview

What gets flagged before you call a lender

  • Community Partners Loan Pool (CPLP) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which events trigger repayment for Community Partners Loan Pool (CPLP): sale?
  • Which document version should control Community Partners Loan Pool (CPLP) right now: program guide, fact sheet, or lender packet?

Action checklist preview

What you would do next

  • Review the official Program page for Community Partners Loan Pool (CPLP)
  • Carry the lender question kit for Community Partners Loan Pool (CPLP)
Open the full North Carolina board

Paid research preview

What paid research already covers in North Carolina

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for North Carolina.

4 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

2 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Full state board

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