North Carolina program
North Carolina route through City of Charlotte. 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.
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Up to $30,000 with no match required for eligible Program 1B employee-exemption buyers.
Forgivable second mortgage
The official Charlotte table states Program 1B Exemption has a 30-year term and is forgivable at year 31. The cited overview page does not separately publish early-sale or refinance trigger rules on this page.
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First-time homebuyers at 80.01% to 110% of median income, City of Charlotte employees, Mecklenburg County employees, Charlotte-Mecklenburg Schools employees
Up to $30,000 with no match required for eligible Program 1B employee-exemption buyers.
The official Charlotte table states Program 1B Exemption has a 30-year term and is forgivable at year 31. The cited overview page does not separately publish early-sale or refinance trigger rules on this page.
Use the House Charlotte process through the city-linked House Charlotte Program contact points, confirm qualifying employment for Program 1B Exemption, and work with the House Charlotte team or participating lender for the purchase workflow.
The official City of Charlotte Homeownership page says Program 1B Exemption provides up to $30,000 with no match required for eligible City of Charlotte, Mecklenburg County, and CMS employees, with a 30-year term and forgiveness at year 31.
2026-04-19
Effective date not captured.
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Amount: Up to $30,000 with no match required for eligible Program 1B employee-exemption buyers.
Repayment: The official Charlotte table states Program 1B Exemption has a 30-year term and is forgivable at year 31. The cited overview page does not separately publish early-sale or refinance trigger rules on this page.
First-time buyer: Required
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