NC Home Advantage Tax Credit

North Carolina Housing Finance Agency

Available Down Payment

About This Program

Federal mortgage credit certificate providing annual tax credit of up to $2,000 for first-time homebuyers who obtain NC Home Advantage mortgage. Credit reduces federal income tax liability annually for the life of the loan.

Annual tax credit of approximately 20% of mortgage interest paid, maximum $2,000/year

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Annual federal tax credit up to $2,000
  • For first-time homebuyers with NC Home Advantage mortgage
  • Credit available for life of loan
  • Income and purchase price limits apply
  • Reduces federal tax liability each year

How to Apply

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

Deadline: Ongoing program for qualified buyers

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