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Community Home Buying Programs

If you are buying a home and your income is below 80% of your county’s median income, you may be eligible to receive home buyer assistance from one of our Community Home Buying Programs: Community Partners Loan  Pool (CPLP) or Self  Help Loan  Pool (SHLP).

CPLP is the Agency’s most generous down payment assistance program for eligible low- and moderate-income home buyers. Effective May 2, 2022, borrowers can receive up to 25% of the sales price or a maximum loan of $40,000, whichever is less. Our assistance is provided as a zero interest, subordinate loan that must be combined with a  NC Home Advantage Mortgage™ or a USDA 502 Direct loan. Borrowers must apply for assistance working with a participating CPLP Member, an approved nonprofit or local government housing agency.

Eligible borrowers must meet household income limits and sales price limits.

In addition, borrowers must complete 6 hours of home buyer education and 2 hours of one-on-one Pre-purchase counseling from a HUD-approved provider. While most borrowers complete a home buyer class offered by the CPLP Member, you can also complete a HUD-approved online course like eHome America which NCHFA is offering to potential CPLP borrowers for a special price of $35. After completing the course, you will receive a Certificate of Completion from eHome America. To get started, please click on the link below to register.


Please note that all CPLP borrowers must also complete at least 2 hours of one-on-one Pre-purchase counseling provided by a HUD-certified counselor. 

For more information,  please review the Frequently Asked Questions about CPLP for Potential Home Buyers or contact a CPLP member.

SHLP  provides zero interest, shared mortgage financing to help eligible low- and moderate-income buyers purchase homes built and sold by a SHLP member, a participating Habitat for Humanity affiliate.

Eligible buyers must participate in the construction or rehab of the home they are purchasing. In addition, they must also meet program underwriting requirements including household income limits and purchase a home that does not exceed program sales price limits. In addition, borrowers must complete 6 hours of Home Buyer Education as well as 2 hours of one-on-one pre-purchase counseling provided by a HUD-approved housing counseling agency. For more information, please contact a SHLP member.