Grants in North Carolina
North Carolina statewide grants & funding programs
Explore active funding opportunities from state agencies, cities, and local partners across North Carolina. Filter by category, agency, or keyword to find grants that match your project, business, or community.
9 programs currently listed in North Carolina • Updated daily
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Latest opportunities (9)
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 …
City of Greenville – Community Development DivisionNCFirst-Time HomeownerCity of Greenville down payment assistance combining a ten percent no interest loan and a twenty percent HOME grant, calculated as a percentage of the home purchase price for eligible buyers in designated target areas.
Updated: Dec 6, 2025
Suite of down payment and closing cost assistance options in Greenville, NC, combining a 0% interest loan and HOME grant funds to help first-time buyers purchase in targeted neighborhoods.
Eligible for: Low- to moderate-income first-time homebuyers purchasing an owner-occupied home within designated target areas inside Greenville city limits…
North Carolina Housing Finance AgencyNCFirst-Time HomeownerNC Home Advantage Mortgage pairs thirty year fixed rate FHA, VA, USDA, and conventional loans with built in down payment assistance that is structured as a subordinate second loan and may be forgiven according to program rules.
Updated: Dec 6, 2025
NCHFA’s NC Home Advantage Mortgage™ program offers affordable fixed-rate mortgages with built-in down payment assistance for first-time and repeat buyers across North Carolina.
Eligible for: First-time and move-up home buyers in North Carolina who meet NC Home Advantage Mortgage™ credit, income, and purchase-price requirements an…
North Carolina Housing Finance Agency (NCHFA)NCFirst-Time HomeownerFlat fifteen thousand dollar zero percent interest deferred second mortgage that is forgiven over years eleven through fifteen when the buyer keeps the home as a primary residence.
Updated: Dec 6, 2025
North Carolina’s NC 1st Home Advantage Down Payment program provides a flat $15,000 in down payment help for qualifying first-time buyers and veterans using an NC Home Advantage Mortgage™.
Eligible for: First-time home buyers and eligible military veterans in North Carolina who qualify for an NC Home Advantage Mortgage™, meet income and purc…
City of Raleigh Housing & Neighborhoods DepartmentNCFirst-Time HomeownerCity of Raleigh zero interest deferred payment second mortgage that covers down payment and closing costs up to forty five thousand dollars in most areas of the city and up to sixty thousand dollars in designated target areas.
Updated: Dec 6, 2025
Raleigh’s Homebuyer Assistance Program offers up to $45,000–$60,000 in zero-interest deferred loans to help first-time buyers overcome down payment and closing cost barriers.
Eligible for: First-time homebuyers purchasing an owner-occupied home within Raleigh city limits who meet income limits, property price caps, and credit g…
City of Durham Community Development DepartmentNCFirst-Time HomeownerCity of Durham down payment and closing cost assistance structured as a zero percent interest forgivable loan that can provide up to eighty thousand dollars for qualified first time buyers.
Updated: Dec 6, 2025
Durham’s Down Payment Assistance Program provides up to $80,000 in 0% interest forgivable assistance to help first-time buyers purchase homes within the city.
Eligible for: First-time homebuyers purchasing a primary residence within Durham city limits who meet HUD-based income limits, property and purchase-price…
City of Greensboro – Housing & Neighborhood Development / Housing Connect GSONCFirst-Time HomeownerCity of Greensboro forgivable zero percent interest subordinate loans that provide tiered down payment and closing cost assistance for income eligible first time buyers, public service heroes, and #100Homes participants within city limits.
Updated: Dec 6, 2025
A multi-tiered down payment and closing cost assistance program in Greensboro offering up to $25,000–$30,000 in forgivable support for first-time homebuyers and public service professionals.
Eligible for: First-time homebuyers (or those who have not owned in 3 years) purchasing a primary residence within Greensboro city limits; must meet incom…
City of Gastonia – Housing and Neighborhoods DivisionNCFirst-Time HomeownerHUD HOME funded zero percent interest second mortgage that provides deferred and partially forgivable down payment and closing cost assistance based on household income tier.
Updated: Dec 6, 2025
HOME-funded down payment and closing cost assistance program providing up to $5,000–$10,000 for modest-income buyers in Gaston County and Kings Mountain.
Eligible for: First-time or displaced homebuyers (or those who have not owned a home in the last 3 years) who are residents of eligible Gaston County town…
City of Rocky MountNCFirst-Time HomeownerCity of Rocky Mount zero percent interest deferred payment loans funded with CDBG, HOME, and local dollars to cover down payment, closing costs, upfront mortgage insurance, and gap financing for first time buyers.
Updated: Dec 6, 2025
High-impact down payment and closing cost assistance of up to $40,000–$50,000 for low-income first-time buyers purchasing in Rocky Mount, with targeted neighborhood bonuses and long-term forgivable terms.
Eligible for: First-time homebuyers (no ownership in the last 3 years) with household incomes at or below 80% AMI purchasing a primary residence within Ro…
First-time homebuyer? Start with this guide.
This downloadable workbook walks you through grants, timelines, and checklists so you can buy with confidence in North Carolina.
Recommended Resource
First-Time Homebuyer Starter Pack (2025 Edition)
A complete first-time homebuyer toolkit: 9 checklists, timelines, grant guidance, worksheets + editable Excel/Google Sheet budget & affordability calculator.