HouseCharlotte Down Payment Assistance Program

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

Deadline: Rolling