NC Home Advantage Mortgage

North Carolina Housing Finance Agency

Available Down Payment

About This Program

State-sponsored mortgage program offering down payment assistance up to $15,000 in a second loan at 0% interest, forgiven after 15 years. Includes competitive 30-year fixed interest rate and available tax credit of up to $2,000 annually.

Down payment assistance is a forgivable second loan, no monthly payment, forgiven after 15 years

Key Details

  • Down payment assistance up to $15,000
  • 0% interest second loan, no monthly payment
  • Forgiven after 15 years of occupancy
  • Income limits vary by county
  • Available to first-time and repeat buyers

How to Apply

A grant-savvy contractor in Graham, NC can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Year-round program subject to funding availability

Need a Contractor for This Grant?

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

Find More Programs in Graham, NC

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

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