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NC 1st Home Advantage Down Payment is sponsored by North Carolina Housing Finance Agency (NCHFA). This program provides eligible military veterans and first-time homebuyers with $15,000 in down payment assistance. It is structured as a 0% interest, deferred second mortgage that is forgiven at a rate of 20% per year during years 11 through 15, resulting in complete forgiveness after 15 years.
It must be paired with an NC Home Advantage Mortgage™.
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English العربية 简体中文 繁體中文 Français Deutsch Italiano Español Tiếng Việt తెలుగు # North Carolina Housing Finance Agency * 250 Years of Housing in NC * HOME-American Rescue Plan * Agency Investment and Impact * Research, Reporting and Policy * Housing North Carolina Awards * Notice of Public Hearing | Request for Comment * Consumer Privacy Notice * Home Buyer Mortgage Products * Community Home Buying Programs * Find a Real Estate Agent * Find a Housing Counselor * Resources for Home Buyers * Consumer Privacy Notice * Home Ownership Partners * Marketing Resources for Partners * Rental Housing Partners * Supportive Housing Developers * Rental Owners & Managers * Rental Preservation Partners * Community Living Partners [](https://www.
nchfa. com/home-buyers/home-buyer-mortgage-products/nc-1st-home-advantage-down-payment) 2. Home Buyer Mortgage Products 3.
NC 1st Home Advantage Down Payment # NC 1st Home Advantage Down Payment If you are a first-time home buyer or military veteran and qualify for an NC Home Advantage Mortgage™, you may be eligible for $15,000 in down payment assistance with the NC 1 st Home Advantage Down Payment.
Similar to the other down payment assistance options available with the NC Home Advantage Mortgage™, this down payment help is a 0%, deferred second mortgage, which is forgiven 20% per year at the end of years 11-15, with complete forgiveness at the end of year 15.
* NC Home Advantage Mortgage TM * NC 1 st Home Advantage Down Payment You may be eligible for NC 1 st Home Advantage Down Payment if: * You are a first-time home buyer (you haven't owned a home as your principal residence in the past three years) or a military veteran or are buying in a targeted census tract * You meet the income and sales price limits * You are purchasing a home in North Carolina * You occupy the home as your principal residence within 60 days of closing * Your credit score is 640 or higher * You are a legal resident of the United States ## **What Properties are Eligible?
** * Manufactured homes (660 credit score required) **Important Health Coverage Tax Documents for Employees** * Home Ownership Partnership * Become a Community Partner * Rental Housing Partners * Supportive Housing Developers * Rental Owners and Managers **North Carolina Housing Finance Agency** / 3508 Bush Street / Raleigh, NC 27609 /919-877-5700 ## Disclaimer (please scroll and read, then proceed below) All information contained on the following Web pages is obtained from the Agency’s books and records, and is believed to be accurate and reliable.
Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue.
Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information.
Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for (a) any loss or damage in whole or part caused by, resulting from, or relating to any error (on account of neglect or otherwise) or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or (b) any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information.
This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements.
Each viewer of the aforementioned information acknowledges that (i) the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, (ii) this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, (iii) the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and (iv) no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction.
The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared. - [x] I agree to the Terms and Conditions ##### Automatic translation disclaimer This website provides automatic translation using Google Translate. Please remember that the English language version is the most accurate.
In the event of a disagreement or discrepancy between the translation and the original English version of this web site or any notice or disclaimer, the original version will prevail.
According to the current listing, eligibility includes: Open to military veterans or first-time homebuyers purchasing a primary residence in North Carolina who meet income/sales price limits, occupy the home within 60 days, and have a credit score of 640 or higher. Confirm the full requirements in the official notice before applying.
The current listing shows $15,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
NC 1st Home Advantage Down Payment is funded by North Carolina Housing Finance Agency (NCHFA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in North Carolina. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
Past winners and funding trends for this program
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