House Charlotte Program

To learn more about the House Charlotte Down Payment Program, click on the home page.

Hse.Char. Overview 2014


The House Charlotte down payment assistance program was created to help home buyers with the down payment and closing fees required for the purchase of a residence located in pre-determined locations in Charlotte NC.

Eligible borrowers will be able to buy a home with the House Charlotte down payment program in one of the 87 transitioning or challenged neighborhoods with a maximum purchase price of $155,000.

House Charlotte has helped hundreds of buyers purchase a home when they were otherwise unable qualify.

House Charlotte Features

The program Features are as follows…

1. Qualified home buyers may receive up to $10,000 down payment for select House Charlotte neighborhoods listed as “challenged”.

2. Qualified home buyers may receive up to $7,500 down payment for select House Charlotte neighborhoods listed as “transitioning” or “stable” areas.

3. Required House Charlotte home buyer education before you purchase home.

Eligibility Requirements for Applicants

A) If your families total income is 110% or less of the median income for the Charlotte metro area, you are eligible for assistance.

B) All home buyers who are accepted must complete the required pre-purchase home buyer education program.

C) The home you choose must be located in any of the eighty seven eligible House Charlotte neighborhoods.

D) $155,000 is the purchase price limit of the home.

E) Up to $15,000 is available to current police officers who purchase homes in these areas as well.

House Charlotte Down Payment Program

How the House Charlotte program works…

Only approved mortgage lenders may apply for the House Charlotte program for eligible 1st time home buyers. To find out if you are eligible, fill out the short online form on this website or give us a call at 704-493-4547. One of our mortgage and real estate experts will be happy to assist you.

Once you have been approved as House Charlotte eligible, you must locate the house you want to live in from one of the approved Charlotte Neighborhood Statistical Areas or (NSAs). Our team of professional Realtors will help you with this free of charge.

House Charlotte Down Payment Assistance Program

Please know that every Charlotte NC neighborhood is grouped in an NSA, and some new home builders do not use the same neighborhood names as the NSA listing. Once you are working with one of our agents, they will help you with all these things. You can also refer to our neighborhood eligibility map to see all the approved neighborhoods and areas they are located.

Once we have assisted you in finding a house you like in the appropriate NSA, your lender will apply for the program. At that point, you will attend the 1st time home buyers training course which is required for the House Charlotte down payment assistance program.