The Free North Carolina Down Payment Assistance Guide
A plain-English walkthrough of NCHFA, NC Home Advantage, and the $15,000, written for buyers. Get the guide, or just talk it through with Mike.
What is inside the guide
The guide walks a North Carolina buyer through the whole picture in plain language: how the 3% and the $15,000 differ, who qualifies for each, how the forgiveness over years 11 through 15 actually works, and what it takes to qualify. It covers the 640 credit floor, the statewide income limit, and the FHA, VA, USDA, and conventional loan options. No jargon, no sales pitch, just what you need to decide whether NCHFA assistance is right for you.
Prefer to just talk it through?
Some buyers would rather skip the reading and get a straight answer, including which option is bigger for their purchase. That is fine, tell Mike your county, credit range, and whether you have owned before or served, and he will map your NCHFA options in a 20-minute call. No obligation, no pressure. Call (480) 296-6513 or start the quiz above.
Common questions
What does the NC down payment assistance guide cover?
It covers both NCHFA options (up to 3% for any buyer and the flat $15,000 for first-time buyers and veterans), the forgiveness schedule over years 11-15, the 640 credit floor, the statewide income limit, and the loan types that qualify.
Is the North Carolina down payment guide really free?
Yes. The guide is free with no obligation. You can read it and decide on your own, or reach out to Mike Certo to talk through which option is bigger for your purchase.
Get the guide or talk to Mike
Tell us your county, credit range, and price target, and we’ll map your North Carolina path in a no-pressure 20-minute call. No obligation.