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Income Limits

Our mortgage products have income limits that vary by program type. 

The NC Home Advantage Mortgage™ income limit is based solely on the income of the borrower(s), as verified by your lender (also known as qualifying income). 

With the Mortgage Credit Certificate, income is defined as total household income, which is the gross annual income of all adults (18+) living in the home (except full-time dependent students). 

Please note that income limits for the $15,000 Special Down Payment Assistance (only available in Cabarrus, Cumberland, Guilford, Johnston and Mecklenburg Counties) are the same as the income limits for the Mortgage Credit Certificate.