Home Starts Here.
We’re helping make home ownership a possibility for North Carolinians.
The NC Housing Finance Agency has helped over 150,000 North Carolinians purchase their first home, because we believe that home is for everyone.
We offer a variety of programs that help make home buying affordable for North Carolinians, especially first-time home buyers and military veterans. With us, home starts here!
Home Buyer Products
Learn more about our array of financing options to make buying a new home affordable or see if you’re eligible for support.
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.
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.
June is Home Ownership Month!
We are dedicated to helping North Carolinians obtain affordable home ownership this month, and all year round.
Not sure where to start on your home buying journey?
There’s a lot to know when it comes to buying your first home, but the NC Housing Finance Agency is here for you every step of the way.
Our free Guide to Home Ownership will walk you through every step of the process, showing you how to make the home buying process as easy, efficient and exciting as possible. We even have a personal checklist that you can follow and take notes on along the way.
Your first home is closer than you think!
Home Starts Here.
The NC Housing Finance Agency will help you find a lender, pick the right products for you, and make your home ownership dreams possible.
Home Buying FAQs
Is it better to buy or rent?
Buying a home is an exciting thing, however, the decision to move from renting to buying is a big one that requires thoughtful thinking and a lot of research. How do you know which is right for you?
Read our blog, where we ask questions to help you determine whether renting your home or buying for the long term is the right decision for you and your needs.
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.
How much can I afford?
Determining how much you can afford is a great first step in the home buying process. Factors that should be considered are your total monthly income, non-mortgage debts, down payment, your credit score, and interest rates.
Click here to use our Mortgage Calculator and Affordability Calculator to determine how much you can afford.
How do I get started?
There’s a lot to know when it comes to buying your first home, but the NC Housing Finance Agency is here for you.
Our Free Guide to Home Ownership will walk you step-by-step through the home buying process so it’s as easy, efficient and exciting as possible!
Home Matters Blog
Housing Affordability Strains: What the 2026 State of the Nation’s Housing Report Reveals
Each year, the Harvard Joint Center for Housing Studies (JCHS) releases The State of the Nation’s Housing report, a research and data-driven analysis of housing across the country. This year’s rendition, The State of the Nation’s Housing 2026 (the Report), was published earlier…
2026 Housing North Carolina Awards Recognize Outstanding Housing Efforts
Three developments and one organization have been honored with North Carolina’s top awards for excellence in affordable housing. This year’s Housing North Carolina Award winners provide permanent supportive housing for people experiencing homelessness, life-changing repairs…
How to Keep Your Home Cool Without Breaking the Bank
Summer in North Carolina can mean long, hot days and higher energy bills. While you can’t control the temperature outside, there are simple ways to keep your home comfortable without sending your utility bill through the roof. From adjusting your thermostat to making small changes around your home…
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
Follow us on social media!
