Resources for Homeowners & Renters

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

HOMEOWNERSHIP

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 
    • 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.


HouseCharlotte Program

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 HouseCharlotteProgram.com, call 704.705.3999 or email HouseCharlotte@dkp.org.

 


Household Eligibility  

Down Payment Amount & Term 

Eligible Neighborhoods 


Maximum Total Sales Price 

House Charlotte  
 

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 Plus  
 

For families at or below 80% of median income 

 

Up to $50,000, to be used in conjunction with $30,000 in traditional House Charlotte program 

30-year term 

   ~Forgivable at year 31 

LIMITED to Areas of Influence within the Corridors of Opportunity 

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

House Charlotte 
 

For families at 80.01%-110% of median income 

$103,600 

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 


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House Charlotte Short Sale
Subordination Instructions

Contacts

For General Program Information, Loan Submission
Process and Requirements
DreamKey Partners (formerly Charlotte-Mecklenburg Housing Partnership) HouseCharlotte Team
704.705.3999
HouseCharlotte@dkp.org

For Lender Registration and Post
Closing Account Services
Housing & Neighborhood Services
Ron Mason
704.336.2754
rmason@charlottenc.gov