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North Carolina program

House Charlotte Program 1B

North Carolina route through City of Charlotte Housing & Neighborhood Services; administered by DreamKey Partners. 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.

Forgivable second mortgage Forgivable if occupancy holds 2026-04-19
Agency City of Charlotte Housing & Neighborhood Services; administered by DreamKey Partners
Support type Forgivable second mortgage
Amount highlight Up to $30,000 total: a base amount up to $10,000 plus a buyer match up to $20,000 for eligible Program 1B purchases.
Last verified 2026-04-19

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Use DreamKey for numeric income tables

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

City and DreamKey materials agree on the Program 1B structure, but DreamKey publishes the current AMI dollar tables.

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 $30,000 total: a base amount up to $10,000 plus a buyer match up to $20,000 for eligible Program 1B purchases.

Type

Forgivable second mortgage

Repayment

Current House Charlotte materials describe Program 1B as a 0% loan with a 30-year term that is forgivable at year 31. The public summary documents do not separately publish the early-sale or refinance trigger language in the overview table.

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 within Charlotte city limits, Households between 80.01% and 110% of AMI

What support do you get?

Up to $30,000 total: a base amount up to $10,000 plus a buyer match up to $20,000 for eligible Program 1B purchases.

Do you repay it?

Current House Charlotte materials describe Program 1B as a 0% loan with a 30-year term that is forgivable at year 31. The public summary documents do not separately publish the early-sale or refinance trigger language in the overview table.

How do you apply?

Use a House Charlotte approved lender, confirm address eligibility in the city mapping tool, complete at least 8 hours of HUD-approved education and counseling, and have the lender submit the reservation through the House Charlotte process. The official site says reservations are first-come, first-served and limited to 20 per month.

Application timing

Reservations are first-come, first-served and the official site says a maximum of 20 reservations can be issued per month.

Official source evidence

Current Charlotte and DreamKey materials show Program 1B combines a base amount of up to $10,000 with a buyer match of up to $20,000 for first-time buyers between 80.01% and 110% of AMI. The same materials describe a 30-year term with forgiveness at year 31.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for House Charlotte Program 1B

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

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

Comparison preview

House Charlotte Program 1B

Amount: Up to $30,000 total: a base amount up to $10,000 plus a buyer match up to $20,000 for eligible Program 1B purchases.

Repayment: Current House Charlotte materials describe Program 1B as a 0% loan with a 30-year term that is forgivable at year 31. The public summary documents do not separately publish the early-sale or refinance trigger language in the overview table.

First-time buyer: Required

Timing: Reservations are first-come, first-served and the official site says a maximum of 20 reservations can be issued per month.

Risk checks preview

What gets flagged before you call a lender

  • House Charlotte Program 1B requires a participating lender.
  • House Charlotte Program 1B can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate House Charlotte Program 1B for this household and loan setup?
  • Which events trigger repayment for House Charlotte Program 1B: sale, refinance?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official House Charlotte program page for House Charlotte Program 1B
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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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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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