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NC Home Advantage Mortgage™

The NC Home Advantage Mortgage™ provides eligible home buyers with down payment assistance up to 5 percent of the loan amount, competitive interest rates and up to 100 percent financing on FHA, USDA and VA loans. We also offer 3 percent down payment assistance on conventional 97 percent LTV loans.

Your first-time home buyers and military veterans with lower incomes may be eligible for the NC 1st Home Advantage Down Payment, which provides $8,000 in down payment help. 

Loans are offered through participating lenders statewide.

Buyer Eligibility

To be eligible for the NC Home Advantage Mortgage™, your buyers must:

  • Purchase a home in North Carolina.
  • Occupy the home as their principal residence within 60 days of closing.
  • Have an income not exceeding $92,000.
  • Have a credit score of 640 or higher.
  • Be a legal resident of the United States.

Property Eligibility 

The NC Home Advantage Mortgage™ can be used to purchase:

  • Single-family homes.
  • Townhouses.
  • Condominiums.
  • Duplexes (FHA loans only).
  • New manufactured homes (for buyers with 660 credit scores who use FHA, VA or USDA mortgages).

Comience Ahora

1

We offer free, downloadable brochures to provide your buyers with more information on the NC Home Advantage Mortgage™.

View Resources for Buyers

2

The NC Home Advantage Mortgage™ is offered through participating lenders throughout North Carolina. Get your buyers connected with a lender in your area.

Find a Lender

Forms & Resources

Buying Your First Home? Save Up to $2,000 in Taxes Annually (English)
Buying Your First Home? (Spanish)
Think Buying a Home is Out of Reach?
Get the Advantage (Spanish)
Seller Affidavit
Seller Affidavit (HUD Properties)
What Recapture Means (English)
What Recapture Means (Spanish)
NC 1st Home Advantage Program Guide

Agencia de Financiación de la Vivienda de Carolina del Norte / 3508 Bush Street / Raleigh, NC 27609 / 919-877-5700

North Carolina Housing Finance Agency

3508 Bush Street Raleigh, NC 27609
tel919-877-5700

Disclaimer (please scroll and read, then proceed below)

All information contained on the following Web pages is obtained from the Agency’s books and records, and is believed to be accurate and reliable. Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue. Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information. Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for (a) any loss or damage in whole or part caused by, resulting from, or relating to any error (on account of neglect or otherwise) or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or (b) any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information. This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that (i) the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, (ii) this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, (iii) the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and (iv) no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction. The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared.

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