That depends on the loan type and seller contribution. The NC Home Advantage Mortgage™ offers 3% to 5% down payment help for conventional, FHA, VA and USDA financing. Our maximum Loan-to-Value conventional loan is 97%, so with DPA of 3% of the loan amount, your borrower would need very little of their own money. On a sales price of $100,000, they would need about $90, which can come from their own funds, a gift, or another DPA source. In addition, the seller is allowed to contribute the maximum the loan program will allow. In the case of a 97% conventional, that amount is 3% of the sales price to put toward closing expenses. There is no minimum contribution required by the borrower when using the NC Home Advantage Mortgage™.