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NCforgivable loanactive
NC Home Advantage Mortgage + DPA
North Carolina Housing Finance Agency
Up to $15,000 forgivable DPA via NC 1st Home Advantage option
Overview
Up to $15K DPA forgiven over 15 years — pairs with the NC Home Advantage Mortgage.
Detailed requirements
NC Home Advantage Mortgage with 3% DPA, OR NC 1st Home Advantage with up to $15K DPA (first-time buyers + military veterans, certain counties). Forgiven over 15 years. Income limits apply.
Eligibility at a glance
- Min credit score
- 640
- Owner-occupied required
- Yes
- Homebuyer education required
- Yes
Ready to apply?
A free grant specialist walks you through eligibility and the official application in one short call.
Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.