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Community Home Buying Programs

The North Carolina Housing Finance Agency provides funding to local governments and nonprofit organizations to assist individuals and families with the purchase of a home. If your household income meets certain limits, you may be eligible for additional home buying assistance by working with one of our community partners.

Find a Community Partner Near You

Community Partners Loan Pool (CPLP) members offer 0 percent interest, deferred, second mortgages for up to 20 percent of the sales price, not to exceed $30,000 (effective May 1, 2018), when used in conjunction with our NC Home Advantage Mortgage™ or up to 10 percent when combined with a USDA Section 502 loan. CPLP may be combined with other second mortgage and down payment assistance programs, including the NC 1st Home Advantage Down Payment.

Eligible borrowers must meet household income limits and sales price limits. In addition, borrowers must complete at least 8 hours of home buyer education and home ownership counseling provided through a CPLP member, with the actual amount based on the assessed readiness of the borrowers. Potentially eligible borrowers should first contact a CPLP member before signing a sales contract so they can be evaluated for home ownership readiness and develop an education and counseling plan.

While most borrowers complete a home buyer education class or series of classes offered by the CPLP member, you can satisfy a portion of the CPLP education requirement by completing Homebuyer Express, an online pre-purchase education course that takes an estimated 4-5 hours to complete. Please note that if you choose Homebuyer Express, you still must complete additional hours of in-person education and counseling provided through a CPLP member. Talk to a CPLP member to see if Homebuyer Express  is appropriate for you. 

The cost for Homebuyer Express is $50; however, the Agency will provide a 30 percent discount to prospective CPLP borrowers. Click below to learn more and get started.


Self-Help Loan Pool (SHLP) members, which include Habitat for Humanity affiliates, use our financing to provide a single, interest-free loan to help eligible buyers purchase homes that are built or rehabbed by their organizations.

Eligible buyers must meet program underwriting requirements including household income limits and must purchase a home that does not exceed program sales price limits. In addition, borrowers must complete a minimum of 8 hours of home buyer education and home ownership counseling provided by the SHLP member or a partnering agency.