North Carolina Homeowner Grants
Find grants, loans, and assistance programs available to North Carolina homeowners.
North Carolina-Specific Programs (9)
NC Home Advantage Mortgage
North Carolina Housing Finance Agency
Down payment assistance for first-time homebuyers in North Carolina
NC Home Advantage Tax Credit
North Carolina Housing Finance Agency
Federal mortgage credit certificate providing tax credit for NC homebuyers
North Carolina Housing Rehabilitation Loan Program
North Carolina Housing Finance Agency
Low-interest loans for home repairs and improvements
North Carolina Property Tax Relief Program
North Carolina Department of Revenue
Property tax exclusion for elderly or disabled homeowners
NC Home Advantage Programs
NC Housing Authority
The North Carolina Housing Finance Agency offers comprehensive first-time homebuyer programs with competitive rates and generous assistance.
Home Repair & Rehabilitation Programs
local governments Urgent Repair Program
Various local and regional programs help low-income Arkansas homeowners with critical home repairs, administered through Community Action Agencies and local governments.
Energy Efficiency & Clean Energy Programs
NC Housing Authority
Duke Energy:(800) 777-9898
Property Tax Assistance Programs
NC Housing Authority
Agency:County Tax Assessor (varies by county)
Additional Homeowner Assistance
local health departments Accessibility Modifications Program
Emergency assistance for homeowners at risk of foreclosure.
National Programs Available in North Carolina (53)
USDA Section 502 Direct Home Loans
USDA Rural Development
Zero down payment, subsidized interest rate mortgages for low and very low-income rural homebuyers unable to obtain conventional financing.
grantVA Specially Adapted Housing (SAH) Grant
U.S. Department of Veterans Affairs
Grant up to $130,780 (FY 2026) for severely disabled veterans to build, buy, or modify a home to accommodate their disabilities.
Weatherization Assistance Program (WAP)
U.S. Department of Energy
Federal and state-funded program providing free energy efficiency improvements to low-income homeowners, reducing utility bills and improving home comfort and safety.
USDA Section 504 Home Repair Loans & Grants
USDA Rural Development
Federal program providing loans up to $40,000 and grants up to $10,000 for very low-income homeowners to repair homes in rural areas.
FHA Title II Home Equity Conversion Mortgage for Purchase
Federal Housing Administration
Reverse mortgage for seniors purchasing a new primary residence
HUD Homeownership Voucher Program
U.S. Department of Housing and Urban Development
Monthly homeownership assistance for low-income families
USDA Rural Housing Site Loan Program
U.S. Department of Agriculture
Loans to develop building sites for low-income families in rural areas
VA Vendee Loan Program
U.S. Department of Veterans Affairs
VA financing for purchasing VA foreclosed properties
HUD Good Neighbor Next Door - Law Enforcement
U.S. Department of Housing and Urban Development
Half-price homes for law enforcement officers in revitalization areas
HUD Good Neighbor Next Door - Teachers
U.S. Department of Housing and Urban Development
Half-price homes for K-12 teachers in revitalization areas
Fannie Mae HomeReady Mortgage
Fannie Mae
Low down payment mortgage for low to moderate-income borrowers
Freddie Mac Home Possible Mortgage
Freddie Mac
Low down payment options for low to moderate-income families
USDA Rural Repair and Rehabilitation Grants
U.S. Department of Agriculture
Grants for very low-income seniors to remove health and safety hazards
Mortgage Credit Certificate Programs (Local)
Various State and Local Housing Authorities
Federal tax credit on mortgage interest through local programs
FHA Condominium Loan Program
Federal Housing Administration
Mortgage insurance for purchasing condominiums
FHA Rehabilitation Mortgage Insurance (203(h))
Federal Housing Administration
Mortgage insurance for disaster victims to rebuild/purchase
HUD Section 251 Adjustable Rate Mortgages
Federal Housing Administration
Insured adjustable rate mortgages with caps
VA Loan Assumption
U.S. Department of Veterans Affairs
Allows qualified buyers to assume existing VA loan
USDA Rural Energy for America Program (REAP)
U.S. Department of Agriculture
Grants and loans for renewable energy systems in rural areas
FHA Growing Equity Mortgage (GEM)
Federal Housing Administration
Mortgage with increasing payments to build equity faster
HUD Community Development Block Grant (CDBG) Homeownership Assistance
U.S. Department of Housing and Urban Development
Local programs using CDBG funds for homeownership
Section 8 Homeownership Vouchers
U.S. Department of Housing and Urban Development
Use Section 8 voucher toward mortgage payments
HOPE for Homeowners
Federal Housing Administration
Mortgage refinance for underwater homeowners
FHA Graduated Payment Mortgage
Federal Housing Administration
Lower initial payments that increase over time
VA Cash-Out Refinance
U.S. Department of Veterans Affairs
Refinance to access home equity for improvements
HUD Section 184 Indian Home Loan Guarantee
U.S. Department of Housing and Urban Development
Mortgage guarantee for Native American homebuyers on trust land
USDA Section 523 Mutual Self-Help Housing
U.S. Department of Agriculture
Technical assistance grants for self-help housing programs in rural areas
FHA Title I Property Improvement Loan
Federal Housing Administration
Insured loans for home improvements and repairs
VA Home Improvement and Structural Alterations (HISA) Grant
U.S. Department of Veterans Affairs
Grants for disabled veterans to make home modifications
Federal Solar Investment Tax Credit (ITC)
Internal Revenue Service
Tax credit for residential solar energy system installation
DOE Weatherization Assistance Program
U.S. Department of Energy
Free weatherization services for low-income homeowners
HUD Good Neighbor Next Door - Firefighter/EMT
U.S. Department of Housing and Urban Development
50% discount on HUD homes for firefighters and EMTs
Fannie Mae HomePath Ready Buyer
Fannie Mae
Up to 3% closing cost assistance for Fannie Mae-owned homes
Native American Direct Loan (NADL) Program
U.S. Department of Veterans Affairs
VA direct home loans for Native American veterans on trust land
FHA 203(b) Mortgage Insurance
Federal Housing Administration
Mortgage insurance for home purchase with low down payment
Residential Renewable Energy Tax Credit
Internal Revenue Service
Federal tax credit for solar, wind, geothermal systems
FHA Energy Efficient Mortgage (EEM)
Federal Housing Administration
Helps homebuyers and homeowners finance energy efficiency improvements as part of their FHA-insured mortgage.
Good Neighbor Next Door (GNND)
U.S. Department of Housing and Urban Development
Provides 50% discount on HUD-owned homes for law enforcement officers, teachers, firefighters, and emergency medical technicians.
Housing Choice Voucher (HCV) Homeownership Program
U.S. Department of Housing and Urban Development
Allows housing choice voucher participants to use assistance toward homeownership costs including mortgage payments.
HOME Investment Partnerships Program
Federal Government
HOME Investment Partnerships Program
grantCommunity Development Block Grant (CDBG)
Federal Government
Community Development Block Grant (CDBG)
loanFHA Section 203(k) Rehabilitation Mortgage Insurance
Federal Government
FHA Section 203(k) Rehabilitation Mortgage Insurance
grantUSDA Section 504 Home Repair Program
Federal Government
USDA Section 504 Home Repair Program
loanUSDA Section 502 Direct Loan Program
Federal Government
USDA Section 502 Direct Loan Program
grantVA Specially Adapted Housing (SAH) Grants
Federal Government
VA Specially Adapted Housing (SAH) Grants
loanVA Home Loan Guaranty Program
Federal Government
VA Home Loan Guaranty Program
grantWeatherization Assistance Program (WAP)
Federal Government
Weatherization Assistance Program (WAP)
grantLow Income Home Energy Assistance Program (LIHEAP)
Federal Government
Low Income Home Energy Assistance Program (LIHEAP)
grantEnergy Efficiency and Conservation Block Grant (EECBG)
Federal Government
Energy Efficiency and Conservation Block Grant (EECBG)
grantIndian Housing Block Grant (IHBG) & Title VI Loan Guarantee
local TDHE Programs Available New construction assistance Housing rehabilitation Down payment assistance Title VI loan guarantees Rental assistance Assistance Amount Varies by tribe and program
Indian Housing Block Grant (IHBG) & Title VI Loan Guarantee
loanHome Equity Conversion Mortgage (HECM) - Reverse Mortgage
Federal Government
Home Equity Conversion Mortgage (HECM) - Reverse Mortgage
loanFHA 203(k) Rehabilitation Mortgage Insurance
U.S. Department of Housing and Urban Development (HUD)
FHA-insured mortgage that includes funds to purchase and rehabilitate a home in a single loan with low down payment.
grantVA Special Housing Adaptation (SHA) Grant
U.S. Department of Veterans Affairs
Grant up to $25,350 (FY 2026) for disabled veterans to adapt a home for independent living.
Latest North Carolina grant news
Top 6 of 52 recent articles about North Carolina programs.
North Carolina Homeowners Can Get Up to $16,000 for Energy Upgrades — Program Now Available in All 100 Counties
North Carolina's Energy Saver program is now available in all 100 counties. Income-eligible homeowners can get up to $16,000 for insulation and HVAC upgrades, plus another $14,000 for electric appliances. Apply through your county today.
North Carolina Offers Financial Assistance for Renters and Homeowners
Eligible renters and homeowners in North Carolinahttps://grantsforhomeowners.com/grants/nc can get financial assistance through the NC Homeowner Assistance Fund and the Orange County Emergency…
Mortgage Help for Homeowners Affected by The Pandemic
The NC Homeowner Assistance Fund is now accepting applications from North Carolina homeowners whose finances were impacted by the pandemic and who need assistance with housing-related expenses.…
North Carolina Home Repair Grant Initiative Supports Residents with Urgent Fixes
The North Carolina Housing Finance Agency's 2026-2027 Urgent Repair Program (URP27) is channeling deferred, forgiven loans of up to $15,000 to very low-income homeowners for life-safety repairs and accessibility upgrades, with nonprofit and local-government partners competing for allocations of up to $330,000 per service area.
Housing Rehab in Gaston County: How It’s Making a Difference for Everyone
In a monumental achievement, Gaston County's Housing Rehabilitation Department was recently honored with the prestigious Housing North Carolina Awards for...
Funds Offered to Aid in Repairing Homes Damaged by Hurricane Ian in 2022
73122 The United States Department of Agriculture has announced a grant program to help homeowners repair their homes damaged by Hurricane Ian in 2022. The Rural Disaster Home Repair Grant…