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Down Payment Assistance Programs
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If you are a North Carolina homebuyer, you may be eligible for down payment assistance programs that could reduce your mortgage payments by up to 20%.
The North Carolina Housing Finance Agency provides funding to local governments and nonprofit organizations to assist individuals and families with the purchase of a home. If your household income meets the program limits, you may be eligible for North Carolina home buying assistance by working with CESI, a member agency of the Community Partners Loan Pool (CPLP).
The CPLP offers a zeo-interest, deferred second mortgage that can be combined with an N.C. Home Advantage Mortgage, for a savings of up to 20% of the sale price (not to exceed $30,000). For a USDA Section 502 Loan, you may receive a savings of 10% (not to exceed $15,000).
CPLP may also be combined with additional down payment assistance programs or second mortgages.
You may be eligible for North Carolina down payment assistance through CPLP if:
It’s best to contact us before you sign a sales contract so you can be evaluated for homeownership readiness and develop an education and counseling plan to ensure that you meet all eligibility requirements.
If you have questions about eligibility requirements, we’re happy to assist you.
Homeownership is both an amazing opportunity and a financial responsibility. We want to help you become a successful homeowner.
In order to qualify for down payment assistance with CPLP funds, you must complete at least 8 hours of homebuyer education and counseling before your application can be submitted.
CESI offers homebuyer education classes monthly that include:
When you work with CESI to purchase your home using North Carolina down payment assistance programs, we provide full service for your home purchase including:
Let CESI’s certified housing counselors assist you in determining your eligibility for down payment assistance programs that will help you achieve your dream of homeownership. Contact us today!
Consumer Education Services, Inc. empowers people to overcome their financial challenges and lead financially-healthy lives.
CESI is NOT A LOAN COMPANY