Begin Your Journey to Home Ownership! Your Home Awaits.

It’s more
than a home,

It's your home.

Qualify For Up to $15k Down Payment Assistance

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The NC Housing Finance Agency has assisted thousands of North Carolinians in purchasing homes because we believe coming home means more.

We offer an array of financing options to make home buying affordable for North Carolinians, especially first-time home buyers and military veterans.

Begin Your Journey to Home Ownership!

We are dedicated to our ongoing commitment to helping North Carolinians obtain affordable access to home ownership this month, and all year round. We have helped over 133,000 North Carolina citizens purchase a home with our financing options!

Learn today how you can qualify.
Find a participating lender near you to start the first step in your home buying process. 

NC Home Advantage Mortgage™

Do you need home-buying assistance? It is our goal to make it simpler by offering affordable mortgage options for first-time and move-up buyers as well as eligible military veterans. The NC Home Advantage Mortgage™ offers up to 3% of the loan amount to purchase your new home and can be structured as an FHA, VA, USDA, or conventional loan.

smiling homebuyers holding a house key in an office setting

NC Home Advantage Tax Credit

If you are a first-time buyer (you haven't owned a home as your principal residence in three years) or an eligible military veteran, you may qualify for a tax credit up to $2,000 per year if you apply and are approved for a Mortgage Credit Certificate prior to your home purchase.

NC 1st Home Advantage Down Payment

If you are a first-time home buyer or eligible military veteran and qualify for an NC Home Advantage Mortgage™, you may be eligible for $15,000 in down payment assistance with the NC 1st Home Advantage Down Payment.

Buying A Home?

Being able to get a loan always seemed like an insurmountable obstacle. With the NC Housing Finance Agency, I was able to realize my goal of owning a home and not renting. And the whole process was stress-free!

Home Matters Blog

smiling homebuyers holding a house key in an office setting

4 Tips for Move-Up Home Buyers

Homeowners decide to move up to a home better suited for their needs for many reasons. Whether the kids need more room…

smiling homebuyers holding a house key in an office setting

More North Carolinians Now Eligible for Affordable Mortgages and $15K Down Payment

Housing prices are rising nationwide…

smiling homebuyers holding a house key in an office setting

NC Housing Finance Agency Increases Housing Opportunities for At-Risk North Carolinians

NCHFA has approved over $5.5 million…

It is an exciting time to be helping borrowers into their homes using
the NC Home Advantage Mortgage™!

Home Buying FAQs

Is it better to buy or rent?

Buying instead of renting might be the best option for you if you like:

  • Fixed monthly payments
  • Tax deductions
  • Opportunity to build equity
What are some home buying tips for military veterans?

Aside from checking your credit score and finding a real estate agent, we have a list of helpful resources for our military veterans who want to buy a home.

Read more here!

What is an interest rate?

The interest rate is the amount charged on top of the principal (the original sum of money borrowed on the loan) by a lender to a borrower for the loan. Lenders determine interest rates based on factors within your control, such as credit score and your debt-to-income ratio, as well as on some outside your control such as the state of the economy.

What is an annual percentage rate (APR)?

This is the yearly cost of credit, expressed as a percentage. It calculates the amount of interest you’ll pay on your total loan each year. Typically, a lower APR means a lower monthly mortgage payment.

What are closing costs?

Closing costs are the costs outside a property’s sales price that must be paid to cover the cost of the transaction. These costs include loan origination fees, discount points, insurance fees, survey fees, attorney’s fees, and more. Closing costs are typically negotiable, so make sure you do your research and advocate for yourself!

Cherish Your Future, here.

Become an NC Homeowner today.

We’ll help you find a lender and show you available products to make your home ownership dreams possible.

NC Housing Finance Agency
3508 Bush Street, Raleigh, NC 27609

Thank you to all of our partners for helping us create safe, affordable housing opportunities to enhance the quality of life of North Carolinians.

J. Adam Abram, Board Chair
Scott Farmer, Executive Director

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