City of Raleigh Down Payment Assistance Programs
1 local down payment assistance program for homebuyers in the City of Raleigh, checked against the official page.
City of Raleigh down payment assistance at a glance (2026)
| Program | Amount | Type | First-time buyer | Income limit | Price limit | Status |
|---|
| Homebuyer Assistance Program | Up to $45,000 (up to $60,000 in Enhanced areas) | Deferred loan | Required | At or below 80% of AMI ($105,850 for a family of 4) | Not stated | Offered |
|---|
Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.
Local programs
City of Raleigh Housing and Neighborhoods
- Amount
- Up to $45,000 (up to $60,000 in Enhanced areas)
- First-time buyer
- Required
- Status
- Offered
- Income limit
- At or below 80% of AMI ($105,850 for a family of 4)
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.
Last checked Nov 3, 2026 · Official source (opens in new tab) ↗
Other local programs in North Carolina
Statewide help in North Carolina
You may also qualify for 2 statewide North Carolina programs. Local and state assistance can sometimes be layered; confirm with each administrator.
Check eligibility for North Carolina How to apply
Compare these programs · AMI / income limits · All North Carolina programs
HUD-approved homebuyer counselors in Raleigh, North Carolina (8)
Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.
Common questions
Does City of Raleigh offer down payment assistance?
Yes. We list 1 local program checked against official pages: Homebuyer Assistance Program from City of Raleigh Housing and Neighborhoods (Up to $45,000 (up to $60,000 in Enhanced areas)).
Do I have to be a first-time homebuyer for City of Raleigh assistance?
The official pages state: Homebuyer Assistance Program: Required.
What are the income limits for City of Raleigh down payment assistance?
Published on the official pages: Homebuyer Assistance Program: At or below 80% of AMI ($105,850 for a family of 4). Confirm current limits with the administrator.
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.
Can I combine City of Raleigh assistance with statewide North Carolina programs?
Sometimes. North Carolina also has 2 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.
Free down payment aid updates
New, changed and closed down payment assistance programs, from official sources. Free. Unsubscribe anytime.