HouseCharlotte Down Payment Assistance Program

City of Charlotte / DreamKey Partners

Active Home Repair

About This Program

HouseCharlotte, administered by DreamKey Partners, offers 0% interest deferred forgivable loans for down payment and closing costs on homes within Charlotte city limits. Households at or below 80% AMI may receive up to $30,000, with expanded assistance up to $80,000 for qualifying City of Charlotte employees. Maximum purchase price is $365,000.

Estimate based on typical award for household at 80% AMI.

Key Details

  • 0% interest deferred loan, forgiven over 30 years
  • Income limit: 80% AMI (up to 110% AMI for some options)
  • Maximum purchase price: $365,000
  • Requires HUD-approved homebuyer education course
  • City of Charlotte employees may qualify for up to $80,000

How to Apply

Visit Official Program Page Track this program

704-705-3999

Deadline: Rolling

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find Contractors in Charlotte, NC Are You a Contractor? Get Listed

Find More Programs in Charlotte, NC

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs