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100% Financing – No Money Down Home Buyer Program

100% Financing – No Money Down Home Buyer Program

One shortcoming with the down payment assistance programs available in the Charlotte NC area is that if your yearly income exceeds the maximum allowed for the program you selected, you won’t qualify to get financial help for your down payment and/or closing costs. Each home buyer program and grant has its own income guidelines, but in general, if you make $87,500 per year or less, there is a good chance we could help you qualify for a home buyer program to purchase a home in the Charlotte area.

If you make more than $87,500, a down payment assistance won’t work but we have a home buyer program that offers 100% financing, no money down loan that could be a good fit for you. With this no money down home buyer program, there is no income maximum. And there isn’t a monthly PMI (Private Mortgage Insurance) to pay either, which could save you hundreds of dollars per year on your mortgage payment.

This no money down loan program can be used to purchase a home selling for $453,100 or less and this program is available in Mecklenburg, Cabarrus and Union County.

How qualify for this no money down, 100% financing home buyer program?

In order to qualify, you will need a good credit score – 680 or above. Even though you can’t own another home and use this program, if you are selling your home and buying another one at the same time, you could qualify for this home buyer program.

For more information and to see if you qualify for this program, give us a call today or fill out the form below so we can contact you.

Down Payment Assistance Programs & Grants


Would you like to find out if you qualify for the purchase of a home? A down payment assistance? Are you interested in having Cornerstone Realty help you to sell your home? Call us today or fill out the form below and we will contact you as soon as possible.

Mortgage Center

We have included below a few tools to help you determine your mortgage payments, closing costs and an estimator of how much you could afford based on your income. To get pre-approved for the purchase of a home, give us a call today or fill out an online inquiry from our website and we will contact you with 24 hours of your submission.


Start today with your pre-approval process. It's easy - simply provide your information below and will contact you and email you the contact information of one of Charlotte's best lenders.

About Us

This Charlotte real estate website provides search tools, information and market news for home buyers and sellers. All the properties displayed on this website are generated automatically from the Carolina MLS and are updated daily.

The down payment assistance programs discussed in this website are based on a 30-year fixed loan. Interest rate is the current market rate.

If you have questions, please contact us today. Your inquiry will be answered by a Realtor® licensed to practice real estate.

Contact Information

Office: (704) 837-4672
Email: info@nc-homeownership.com
Address: 317 Matthews Mint Hill Road, Suite 201 Matthews, NC 28105

Mon-Fri: 9am to 6pm EST
Sat & Sun: By appointment only

Charlotte Real Estate website – We provide Real Estate services to home buyers and home sellers in Mecklenburg, Union, Gaston, Cabarrus and Stanly Counties.

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