The House Charlotte First Time Home Buyer Program is a wonderful home ownership down payment assistance program in Charlotte. In addition to receiving down payment assistance, the program provides first time home buyer education classes in Charlotte to prepare home buyers for the road to home ownership. Buyers can expect to receive down payment from $5,000 to $7,500 and in certain cases, as much as $10,000 depending on household income. The $10,000 down payment incentive applies across the board for Charlotte Mecklenburg police officer down payment assistance when using the House Charlotte Program to buy a home in Charlotte NC.
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House Charlotte Homes for Sale – House Charlotte Communities
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House Charlotte Eligibility Requirements
- Families must not exceed Charlotte area median income limits
- Families above 80% AMI up to 110% AMI qualify for up to $5,000
- Families below 80% AMI down to 60% AMI qualify for up to $7,500
- Families below 60% AMI qualify for up to $10,000 in designated areas
- Buyers must complete eight (8) hours of pre-purchase home buyer eduction
- Home must be the family’s primary residence
- Home must be located in one of the 367+ House Charlotte eligible neighborhoods identified within the House Charlotte Eligibility Map area
- Home purchase price for House Charlotte eligible homes cannot exceed $155,000.
- NEW! Home buyers using House Charlotte down payment assistance can now purchase eligible new construction homes up to a maximum purchase price of $195,000 using additional Community Partners Loan Pool funds!
House Charlotte Program – Frequently Asked Questions
What can House Charlotte First Time Home Buyer Program down payment assistance be used for?
- Down payment expenses
- Closing costs
- Interest rate buydown
How do I apply for House Charlotte down payment assistance?
If you would like to be considered for the HouseCharlotte Down Payment Assistance Program or any of our other down payment assistance or first time buyer programs, please complete our Online Application by clicking the button below.
How to Apply for House Charlotte down payment assistance
Once qualified, we’ll have one of our House Charlotte approved lenders request House Charlotte funds on your behalf.
How can I find out if a house is eligible and qualifies for House Charlotte down payment assistance?
Easy. Just go to the Mapping Applicator and enter the house address. The property eligibility will be shown at the top section of the information bubble on the map.
Is an inspection required to receive House Charlotte down payment assistance?
Yes. A House Charlotte inspection is required at no charge to the buyer which we will set up on behalf of the buyer. It is actually a “code inspection” and should not be considered as a comprehensive home inspection which the buyer is still entitled to have at the buyer’s own expense (typically around $350 – $450, but can be paid from House Charlotte funds if additional funds are left over). No inspection is required for new construction homes less than 6 months old.
What party is responsible for requesting a House Charlotte inspection?
We will order the inspection on the buyer’s behalf.
Pruitt Miller Realty Group understands that homeownership is a significant achievement. You can trust that we will take a caring and understanding “hands-on” approach in the coordination and management of our House Charlotte team of agents, lenders and support providers to walk you through the process from beginning to end. Our partnerships with third party service providers can provide pre-ownership counseling, credit repair and home inspection services.
If you would like more information about the House Charlotte Program (also sometimes known as Home Charlotte program or House of Charlotte program) fill out the form below and we’ll have one of our qualified professionals contact you.