North Carolina · NCHFA + Charlotte's $95K Doorway

Charlotte has the
biggest grant in the country.

NC's NCHFA programs (NC Home Advantage + 1st Home Advantage) cover the state cleanly. Then Charlotte adds the $95K Doorway to Prosperity — the largest single DPA grant we've ever mapped. Raleigh, Durham, and Greensboro have their own local stacks too.

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· The market

North Carolina at
a glance.

$355K
Statewide median
+6.2%
YoY appreciation
29 days
Median DOM
Up to $95K
Single-program ceiling
· The metros

Where buyers
actually land.

Charlotte

$380K

$95K Doorway to Prosperity is the headline. Stacks with NCHFA + House Charlotte + InLivian programs.

Open metro guide →

Raleigh

$420K

Tech-anchored, fast-growth. NCHFA programs work; Wake County has counseling-tied DPA.

Durham

$385K

Bull City — Duke + revitalizing downtown. NCHFA + Durham Affordable Housing Loan Program.

Greensboro

$275K

Affordable + growing. NCHFA programs + city HOME funds for select neighborhoods.

· The stack

5 programs
most LOs forget.

The state-level programs are the spine. Local (city / county) DPA stacks on top. The right combo can drop your cash-to-close to a single car payment.

01

NC Home Advantage Mortgage

3% DPA

NCHFA's flagship. 3% of loan amount as DPA, forgiven over 15 years. Pairs with FHA, VA, USDA, conventional. Statewide.

02

NC 1st Home Advantage

$15K

First-time buyer add-on. $15K forgivable second mortgage on top of NC Home Advantage.

03

Charlotte — Doorway to Prosperity

Up to $95K

Charlotte only. Forgivable, needs-based, income-tested. Largest single DPA grant we map. Counseling required.

04

Charlotte — House Charlotte

Up to $30K

Charlotte only. Stacks with NCHFA + InLivian. For first-time buyers in select corridors.

05

Community Partners Loan Pool (CPLP)

Up to $50K

NCHFA program for buyers in targeted areas. 0% interest, deferred. Stacks with NC Home Advantage.

· The scenario

$330K University City,
stacked.

Purchase price
$330,000
FHA min down (3.5%)
$11,550
NC Home Advantage 3%
−$9,540
NC 1st Home Advantage
−$15,000
House Charlotte (if eligible)
−$30,000
Estimated cash-to-close
~$2,800

Loan amount: ~$275K. Estimated PITI: ~$2,250/mo. Doorway to Prosperity stacking varies by income tier — at full eligibility, cash-to-close can reach negative.

North Carolina is buyable.
If you stack right.

Five minutes. We map your file across every NC program — including the four most LOs forget to mention.

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