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First Time Home Buyer Programs in Charlotte NC

First Time Home Buyer Programs in Charlotte NC

At Cornerstone Realty Carolinas, one of our areas of specialization is first time home buyers. We have assisted hundreds of first time home buyers with their real estate needs in the Charlotte region.

The home buying process is complex – there are steps involved from getting pre-approved for a loan to closing on a home with an attorney. Along the way, costly mistakes can be made if you are inexperienced and don’t have an experienced Realtor guiding you through each and every steps of the home buying process.  Our goal at Cornerstone Realty Carolinas is to make that process as easy and as stress-free as possible for first time home buyers. We are also specialists in home buyer programs and grants called down payment assistance programs. Those programs are designed to alleviate the financial burden of having to pay for a down payment and/or closing costs when buying a home. There are several first time home buyer programs available that either could provide you with free money to cover the cost of your down payment and / or closing, as well as first time home buyer programs that offer 100% financing, no money down loans.

Each down payment assistance program available in the Charlotte region has specific guidelines and requirements in regards to credit score, yearly income and location.    

Below is a list of the first-time home buyer programs we offer. For more information on any of the down payment assistance programs listed below, click on the associated program to learn more.  Depending on your situation, one program might be a better fit than another. Give us a call today or fill out our online contact form so we can guide you in selecting the best program for you.

$8,000 Down Payment Assistance Program – North Carolina Housing Finance Agency

The NC First Home Advantage Down Payment program from NCHFA is a popular home buyer program among first time home buyers in the Charlotte region. The funds can be used for your down payment and closing costs. Find out more.

3% and 5% Down Payment Assistance Programs

The NC Home Advantage Mortgage Program offers first time home buyers either 3% or 5% of the purchase price in down payment assistance.  Each home buyer program has its own specific benefits. Both programs can be used with a FHA, conventional or VA loan. Find out more.

100% Financing – No Down Payment Loan with no PMI

If you have great credit, we have a 100% financing home buyer program for you with no private mortgage insurance and no income limit. This is a great home buyer program if you are looking to purchase a home in the Charlotte NC area. Find out more.

House Charlotte Program – $5,000 to $10,000 in down payment assistance

If you are planning to purchase a home in Charlotte, the House Charlotte Program could be a good fit for you. The amount of assistance you could receive is based on your income, family size and whether or not you work for Charlotte’s public services. There are three levels of assistance available – $5,000, $8,500 and $10,000. Find out more.

HUD Home $100 Down Payment Program

The $100 down program is offered through the U.S. Government Housing and Urban Development (HUD) in the Charlotte NC region. With this HUD home buyer program, first-time home buyers can purchase a HUD owned residential property with only $100 down payment and can request as much as 3% of the purchase price in seller concessions towards their closing costs. Find out more.

USDA – No Money Down Loan

There many areas in and outside the Charlotte NC region where first-time home buyers can buy USDA properties. USDA properties are homes that qualify for 100% financing through the USDA’s Guaranteed Housing program. If you are planning to purchase a home in a Charlotte suburban areas, this program could be a good fit for you. Find out more.

Good Neighbor Next Door

The Good Neighbor Next Door program (GNND) is a first-time home buyer program sponsored by HUD. With this program, police officers, teachers, firefighters and emergency technicians can purchase a qualifying HUD property for 50% of the listed price. Find out more.

Charlotte first time home buyers


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.

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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