If your client is buying a home in Cabarrus, Cumberland, Guilford, Johnston or Mecklenburg Counties, he or she may be eligible for $15,000 in down payment assistance. This assistance is offered as a deferred, zero-interest loan that is forgiven at 20% each year. The loan is fully forgiven after year five. This help, offered with our NC Home Advantage Mortgage™, can reduce the amount of money that your buyer has to bring to the table. Loans are offered through our participating lenders statewide.