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North Carolina program

Forsyth County Affordable Home Ownership Program (AHOP)

North Carolina route through Forsyth County Community & Economic Development. 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 Deferred due on exit 2026-04-19
Agency Forsyth County Community & Economic Development
Support type Deferred second mortgage
Amount highlight Up to $40,000 or 25% of the sales price, whichever is less, from AHOP-HOME funds.
Last verified 2026-04-19

Open questions

Use current county policy

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

Forsyth County still has older AHOP handouts online, but the current dashboard and revised FY26 policy align on the active $40,000 structure.

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 $40,000 or 25% of the sales price, whichever is less, from AHOP-HOME funds.

Type

Deferred second mortgage

Repayment

AHOP is a 0% silent or deferred loan for 30 years. The loan becomes due when the first mortgage is paid in full, title is transferred, a cash-out refinance occurs, the borrower defaults, the borrower dies, or the home stops being the borrower's primary residence.

First-time buyer

Required

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?

First-time homebuyers purchasing in Forsyth County

What support do you get?

Up to $40,000 or 25% of the sales price, whichever is less, from AHOP-HOME funds.

Do you repay it?

AHOP is a 0% silent or deferred loan for 30 years. The loan becomes due when the first mortgage is paid in full, title is transferred, a cash-out refinance occurs, the borrower defaults, the borrower dies, or the home stops being the borrower's primary residence.

How do you apply?

Start with the Forsyth County CED Homeownership Readiness Survey or county intake team, confirm first-time-buyer and 80% AMI eligibility, complete the required 8-hour HUD-approved homebuyer class before closing, and work with the county on AHOP underwriting and funding need.

Application timing

Funds are processed and disbursed first-come, first-served until depleted, with required homebuyer education before funds are disbursed and assistance paid to the closing attorney at loan closing.

Official source evidence

Current Forsyth County materials say AHOP offers up to $40,000 per buyer and that the revised FY26 policy uses a 0% deferred 30-year structure for eligible first-time homebuyers. The current first-time homebuyer page also publishes the live sales-price limits effective December 1, 2025.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for Forsyth County Affordable Home Ownership Program (AHOP)

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Example paid output for this program. The free page stays visible either way.

Comparison preview

Forsyth County Affordable Home Ownership Program (AHOP)

Amount: Up to $40,000 or 25% of the sales price, whichever is less, from AHOP-HOME funds.

Repayment: AHOP is a 0% silent or deferred loan for 30 years. The loan becomes due when the first mortgage is paid in full, title is transferred, a cash-out refinance occurs, the borrower defaults, the borrower dies, or the home stops being the borrower's primary residence.

First-time buyer: Required

Timing: Funds are processed and disbursed first-come, first-served until depleted, with required homebuyer education before funds are disbursed and assistance paid to the closing attorney at loan closing.

Risk checks preview

What gets flagged before you call a lender

  • Forsyth County Affordable Home Ownership Program (AHOP) can trigger repayment on sale or refinance.
  • Forsyth County Affordable Home Ownership Program (AHOP) can trigger repayment if owner occupancy changes.

Lender questions preview

Questions tied to this exact path

  • Which events trigger repayment for Forsyth County Affordable Home Ownership Program (AHOP): refinance, transfer, non_owner_occupancy?
  • How does Forsyth County Affordable Home Ownership Program (AHOP) define a first-time buyer for this household?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official First-time homebuyers page for Forsyth County Affordable Home Ownership Program (AHOP)
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