N.C. Office of Recovery & Resiliency

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Homeownership Assistance Program (HAP)

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N.C. Office of Recovery & ResiliencyNCFirst-Time HomeownerReBuild NC disaster recovery assistance funded with CDBG DR dollars that provides a zero percent interest deferred loan covering a percentage of the purchase price up to thirty thousand dollars plus eligible closing costs for buyers in most impacted and distressed counties.

Updated: Dec 6, 2025

Disaster-recovery homeownership assistance providing substantial down payment and closing cost support to first-time and first-generation buyers in hurricane-impacted North Carolina communities.

Eligible for: First-time or first-generation homebuyers purchasing a primary residence in one of 16 HUD-designated “Most Impacted and Distressed” eastern …

Funding: Can provide up to twenty to thirty percent of the home purchase price capped at thirty thousand dollars for down payment assistance plus customary closing costs up to roughly five percent of the sales price, all as a zero percent interest deferred second loan for eligible disaster impacted buyers.Deadline: 2024-09-26 (program paused to new applications)FixedRegionalhomebuyerfirst-time homebuyerfirst-generation homebuyerlow-income homebuyermoderate-income homebuyereastern North Carolina residentdown payment assistanceclosing cost assistancedisaster recovery0% interestdeferred loanstate programfirst-generation buyer

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