North Carolina program
North Carolina route through City of Charlotte Housing & Neighborhood Services; administered by DreamKey Partners. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Open questions
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
Quick answer from published facts. Go to North Carolina program hub
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.
Forgivable second mortgage
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.
Required
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
First-time homebuyers purchasing within Charlotte city limits, Households between 80.01% and 110% of AMI
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.
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.
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.
Reservations are first-come, first-served and the official site says a maximum of 20 reservations can be issued per month.
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.
2026-04-19
Effective date not captured.
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Comparison preview
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
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Lender questions preview
Action checklist preview
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.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
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.
Private workspace
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