Charlotte, North Carolina

Down Payment Assistance Eligibility Checker

Eight questions. You will get your area median income percentage, the programs you plausibly qualify for, and the specific rule that disqualifies you from the ones you do not.

Household size Everyone who will live in the home, including children.

Annual household income Gross, before taxes, all wage earners combined.

Target purchase price Your realistic ceiling, not your dream number.

Buying inside Charlotte city limits? City limits, not Mecklenburg County. Huntersville, Matthews and Mint Hill do not count.

Owned a primary residence in the last 3 years? Answering no makes you a first-time buyer under most program rules.

Military veteran or active duty? Veterans are treated as first-time buyers by NCHFA.

Employed by City of Charlotte, Mecklenburg County or CMS? This unlocks a match waiver worth up to $20,000.

Credit score 640 is the hard floor for every North Carolina program below.

Please answer every question so the results mean something.

Where you land

Charlotte and North Carolina programs

Nationwide programs

What is actually standing in your way

Now the part a calculator cannot do

Knowing the programs is the easy half. The hard half is finding a home that fits the price cap, inside the right boundary, with a seller who will wait out the paperwork. That is my job.

Start the conversation

Read this part. This tool is an educational screening estimate from a licensed North Carolina real estate broker. It is not a loan pre-approval, a commitment to lend, a determination of program eligibility, or mortgage advice. Only a program-approved lender and the administering agency can determine what you qualify for.

Income limits use the HUD FY 2026 Income Limits for the Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area, effective June 1, 2026. The 80 percent figures are HUD published. The 110 percent figures are calculated from the HUD area median family income and are shown as estimates. Confirm your exact limit against DreamKey Partners' official House Charlotte income chart. Program amounts, income limits, purchase price caps and funding availability change without notice, and House Charlotte reservations are first come, first served and are not guaranteed.

Dante Pinto, NC Real Estate Broker #349833. The Redbud Group at Keller Williams SouthPark, Firm License #C12658. Equal Housing Opportunity. Last verified September 2026.