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Homeownership Center of Charlotte
Charlotte-Mecklenburg Housing Partnership, Inc.

Program Overview

Homeownership Center of Charlotte is a HUD-approved housing counseling program that provides special financing and/or down-payment assistance for home purchases, homebuyer education classes, credit/budget counseling and foreclosure intervention counseling.

Who is eligible for this program?

Anyone in Mecklenburg and surrounding counties can receive pre-purchase and foreclosure counseling and homebuyer education. However, the special financing and/or down-payment assistance is available to first-time homebuyers purchasing in Mecklenburg County only. These funds may be used for downpayment and/or closing cost assistance for first-time buyers as defined by HUD (i.e. can not have had ownership interest in a property in the last 3 years). The classes and counseling are available for all potential homeowners. The foreclosure intervention counseling services are for those who are having trouble making their mortgage payments. INCOME ELIGIBILITY FOR DOWNPAYMENT ASSISTANCE: up to 115% of the HUD Area Median Income; INCOME ELIGIBILITY FOR COUNSELING SERVICES: no income limits.

Household Income Limit: $ 80000
Is this program for first time buyers only? No

Property Eligibility Requirements

Special financing and/or downpayment assistance: Property must be located in Mecklenburg County.

Benefit Details

Low-cost, below market interest rate loans for home purchase, down-payments, or closing costs.

Benefit: Special financing, HUD-certified homeownership advisors, classroom training, and individual advising. And HUD-approved foreclosure-intervention advisors will work with you to find alternative solutions to foreclosure.
Homebuyer Counseling /
Education Required:
Owner Occupancy Required:Yes
Other Program Comments:Special Financing program eligibility is based on income and property location. Borrowers must meet underwriting criteria for special financing and/or downpayment assistance.

Please note: Every attempt is made to reflect accurate and up to date information on housing programs displayed on this site. Some inaccuracies may exist. For verification contact a certified REALTOR member.

For more information about this and other homebuyer programs please contact one of the following:

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