Your real North Carolina affordability, the NC Housing Finance Agency DPA match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your North Carolina number — free →Assistance amount varies by program — check current NCHFA offerings.
Official North Carolina program page →North Carolina's main statewide option is the NC Housing Finance Agency DPA — Assistance amount varies by program — check current NCHFA offerings. It is a deferred second mortgage. Cities and counties in North Carolina often add their own programs on top.
It depends on your income, debts and credit — the calculator applies the FHA 31%/43% DTI rule to estimate your price, then shows how much of your down-payment gap the NC Housing Finance Agency DPA could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Requirements are set by the agency — verify current terms on the official NC Housing Finance Agency DPA page before applying.