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House Charlotte Program Overview

To determine how much financial assistance you could get for the purchase of a home using the House Charlotte program, several factors are taken into consideration such household income and where the home you want to purchase is located. It is very important to account for all sources of income for your household in determining whether or not you qualify for this program. Child support, social security, and disability count as income. Furthermore, for married couples, even though only one spouse can be on a loan for the purchase of a home, both spouses’ incomes will be taken in consideration by the House Charlotte program to determine eligibility.

House Charlotte Program Overview


House Charlotte Program

Families at or below 80% of median income $53,600* Program 1-A

Families above 80% to 110% of median income $73,700* Program 1-B

Public Service Employee
at 80% or below of Median Income

(Coming Soon)
High Cost Families at or below 80 % of median income $53,600*

HouseCharlotte downpayment assistance funds can be used for any combination of the following: downpayment, closing cost (that may also include credit repair/ counseling), and interest rate buy down. City assistance must be requested through HouseCharlotte approved lenders. Funds are provided as a 5, 10 or 15-year deferred, forgivable loan.


10-year term.


10-year term.


 Homebuyers who are employed by the following employers:

•City of Charlotte •Charlotte-Mecklenburg Schools •Mecklenburg County Sheriff Dept. •Mecklenburg County Medical employees

5-year term.


15-year term.

Eligible Neighborhood Profile Areas (NPAs)

ALL City of Charlotte NPA’s

Limited to select House Charlotte designated NPA’s

ALL City of Charlotte NPA’s

Limited to select High Cost City of Charlotte NPAs

Maximum Sales Price





Gift from relatives or non-profit for additional closing costs allowed





Counseling Required





Additional House Charlotte Program Links

Useful links about the House Charlotte program

House Charlotte program
Apply for the House Charlotte program
House Charlotte program neighborhoods
House Charlotte program interactive neighborhood map
House Charlotte program eligible neighborhood statistical areas
House Charlotte program income guideline
House Charlotte program requirements to prequalify
House Charlotte program frequently asked questions

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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