HouseCharlotte Down Payment Assistance Program

City of Charlotte / DreamKey Partners

Available Home Repair

About This Program

HouseCharlotte Down Payment Assistance Program is available to homeowners in Charlotte, NC.

HouseCharlotte, administered by DreamKey Partners, offers 0% interest deferred forgivable loans for down payment and closing costs on homes within Charlotte city limits. Households at or below 80% AMI may receive up to $30,000, with expanded assistance up to $80,000 for qualifying City of Charlotte employees. Maximum purchase price is $365,000.

Estimate based on typical award for household at 80% AMI.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Charlotte, NC, you can combine this program with other local help to cut your cost:

Key Details

  • 0% interest deferred loan, forgiven over 30 years
  • Income limit: 80% AMI (up to 110% AMI for some options)
  • Maximum purchase price: $365,000
  • Requires HUD-approved homebuyer education course
  • City of Charlotte employees may qualify for up to $80,000

How to Apply

Get free help applying Visit Official Program Page Track this program

704-705-3999

A grant-savvy contractor in Charlotte, NC can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Charlotte early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can HouseCharlotte Down Payment Assistance Program provide in Charlotte, NC?

Up to $80,000 (city employees); up to $30,000 general.

Who qualifies for HouseCharlotte Down Payment Assistance Program in Charlotte?

HouseCharlotte Down Payment Assistance Program is open to homeowners in Charlotte, NC.

How do I apply for HouseCharlotte Down Payment Assistance Program in Charlotte, NC?

Apply directly with City of Charlotte / DreamKey Partners using the official program link on this page or call 704-705-3999. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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Find More Programs in Charlotte, NC

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