Homebuyer Assistance Program (City of Raleigh, NC)
City of Raleigh Housing and Neighborhoods · City of Raleigh, North Carolina
At a glance: Up to $45,000 (up to $60,000 in Enhanced areas), deferred loan (no payments until you sell, refinance or pay off). First-time buyer: Required. Checked against the official page on Nov 3, 2026.
| Assistance type | Deferred loan — No payments until you sell, refinance or pay off |
|---|---|
| Amount | Up to $45,000 (up to $60,000 in Enhanced areas) |
| Income limit | At or below 80% of AMI ($105,850 for a family of 4) |
| Purchase price limit | Not verified on the official page — check the source |
| First-time buyer rule | Required |
| Status | Offered |
| Status note | Not verified on the official page — check the source |
| Details | Zero-interest deferred loans; no payments until the home is sold or no longer your primary residence. The Enhanced program covers targeted areas, caps the price at $450,000 and adds a 10-year deed restriction. Homeownership class required; lender applies for you. |
| Official source | https://raleighnc.gov/housing/services/homebuyer-assistance (opens in new tab) |
| Last checked | Nov 3, 2026 (manual read (site blocks automated fetch)) |
Go to the official program page ↗ Report a correction
Other North Carolina programs
- House Charlotte — Up to $80,000
- Down Payment Assistance Program — Up to $80,000
- NC 1st Home Advantage Down Payment — $15,000
- NC Home Advantage Mortgage Down Payment Assistance — Up to 3% of the loan amount
← All North Carolina programs · Check eligibility · Compare with other programs
Common questions
How much is Homebuyer Assistance Program?
Up to $45,000 (up to $60,000 in Enhanced areas) (per the official page, checked Nov 3, 2026).
Is Homebuyer Assistance Program a grant or a loan?
Deferred loan: no payments until you sell, refinance or pay off.
Do I have to be a first-time homebuyer for Homebuyer Assistance Program?
Required.
What is the income limit for Homebuyer Assistance Program?
At or below 80% of AMI ($105,850 for a family of 4).
How does Homebuyer Assistance Program work?
Zero-interest deferred loans; no payments until the home is sold or no longer your primary residence. The Enhanced program covers targeted areas, caps the price at $450,000 and adds a 10-year deed restriction. Homeownership class required; lender applies for you.
Is Homebuyer Assistance Program still available in 2026?
The official page listed it as offered when we last checked on Nov 3, 2026. Funding can change, so confirm with the administrator.
Who runs Homebuyer Assistance Program?
City of Raleigh Housing and Neighborhoods, City of Raleigh, North Carolina. Apply through the program or one of its participating lenders.
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