First-Time Homebuyer Loan

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If you’re looking to buy a home in North Carolina and you meet income requirements, you may be eligible to apply for the North Carolina Home Advantage Program. Borrow up to 97% of the purchase price on your primary residence, with just 3% down.

Borrow 97%

Receive up to 97% financing on the purchase of a primary residence if you qualify. View payment examples »

Down Payment Assistance

Down payment assistance programs are available to those who qualify.

NC = Home

This program is available only to those who are buying a home in North Carolina.

Calculators to help you choose the right mortgage for you

We know that buying a home — especially for the first time — can be intimidating.

You don’t have to go through it alone. We’re here to guide you toward greater savings and smarter choices that will ensure many happy years at any address. Use our online Homebuyers Guide and free worksheets to find your happy place.

What others are saying ...

Allegacy team was so FANTASTIC and helped in so many ways.

Janet
— Greensboro, NC

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Disclosures

Program eligibility criteria are subject to change without notice. Consult your tax advisor for potential tax savings. Visit the North Carolina Housing Finance Agency to learn more about this program.

Adjustable rate mortgages are available in CA, CT, DE, District of Columbia, FL, GA, IL, IN, MD, NJ, NC, PA, SC, TX, VA, WV. Conventional fixed rates are available in all states, except NY, NV and HI.