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NC Home Advantage Mortgage™

The NC Home Advantage Mortgage™ provides eligible home buyers with down payment assistance up to 5% of the loan amount, competitive interest rates and up to 100% financing on FHA, USDA and VA loans. We also offer 3% down payment assistance on conventional 97% 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 $87,500
  • Have a credit score of 640 or higher
  • Be a permanent 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)

Get Started


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

Download NC Home Advantage Mortgage™ Brochure


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