Family of 4 walking into a new home and little girl in forefront very excited to be there


Several programs and resources are available to help residents who want to buy a home, from homeownership education to down payment assistance. 

Housing Counseling

The city offers several housing counseling services, including financial literacy, pre-homeownership counseling, and foreclosure prevention.

Topics covered in these classes include budgeting, credit repair, mortgage loan approval, assisting in locating a home and assisting in negotiating mortgage loan terms, the purchase price, and mortgage loan closing process.

Our valuable partners in this program are:

  • Community Link, 800-977-1969 or 704-943-9490
    • Community Link is a nonprofit organization that assists everyone across the housing spectrum- from people dealing with housing insecurity to people interested in becoming a first-time homeowner, with support every step of the way.
  • DreamKey Partners, (704) 342-0933
    • DreamKey Partners is a nonprofit organization that makes a difference in expanding the availability of affordable homes through significant real estate development, homeownership programs and community engagement.

House Charlotte

House Charlotte offers deferred and forgivable loan options for qualified potential homebuyers. Up to $80,000 in assistance can be used to cover down payment, closing cost and interest rate buy down. For more information, visit House Charlotte Program, call 704.705.3999 or email HouseCharlotte@dkp.org.

Cathy Just Bought a New Townhome (House Charlotte Participant)

Household Eligibility

Down Payment Amount & Term

Eligible Neighborhoods

Maximum Total Sales Price

House Charlotte (1A)

For families at or below 80% of median income


Up to $30,000

30-year term

~Forgivable at year 31

All City of Charlotte neighborhood profile areas

$300,000 for existing; $315,000 for new construction

House Charlotte (1B)

For families at 80.01%-110% of median income


Up to $10,000

15-year term

~ Forgivable at year 16

All City of Charlotte neighborhood profile areas

$300,000 for existing; $315,000 for new construction



For General Program Information, Loan Submission
Process and Requirements
DreamKey Partners (formerly Charlotte-Mecklenburg Housing Partnership) HouseCharlotte Team

For Lender Registration and Post
Closing Account Services
Housing & Neighborhood Services
Ron Mason


Acquisition, Rehab and Resell Program

The City of Charlotte recently launched the Acquisition, Rehabilitate, and Resell program to preserve affordable housing in our community. Homes are purchased, rehabilitated, and then resold at affordable prices to qualified homeowners in the House Charlotte program and/or those working with our nonprofit partners. Please contact Ron Mason for more information at Ronald.mason@charlottenc.gov.

Before renovations:

Home before renovations

After renovations (Matterport 3d tour):