The Housing Partnership

HouseCharlotte Program

THE OFFICIAL HOUSECHARLOTTE PROGRAM WEBSITE

The City of Charlotte and Charlotte-Mecklenburg Housing Partnership, Inc. (CMHP/ The Housing Partnership) have joined forces effective January 4th, 2011 to more efficiently administer the HouseCharlotte Program.
Learn more about the partnership

Program Feature HouseCharlotte Program Image

Down payment assistance of up to $10,000 for qualified buyers in select "challenged" neighborhoods

Down payment assistance of up to $7,500 for qualified buyers in select "transitioning" and selected "stable" neighborhoods

Pre-purchase homebuyer education

Eligibility

*Effective immediately: Funding for over 80% AMI customers has been depleted. Funds for 80% or below is still available. *

Families with incomes that are 110% or less of the median income are eligible for assistance. Participants must complete pre-purchase homebuyer education program. The home must be a family's primary residence and located in any of 103 designated neighborhoods.

Maximum purchase price of home is $147,000.

Employed police officers who purchase homes in designated neighborhoods are eligible for assistance up to $15,000.

How the program works

Banks apply for the program on behalf of qualified buyers. To find out if you are qualified, contact approved lenders, which are included in the list linked to this website.

The selected house must be located in one of the approved Charlotte Neighborhood Statistical Areas (NSAs). Each Charlotte neighborhood is grouped in an NSA, and builders do not use the same neighborhood names as the NSA listing. Buyers may check on the NSA of a particular house through this website. See Address Search below.

Once you have found a house in the appropriate NSA, ask your lender to apply for the HouseCharlotte program. You also must attend a homebuyers training course and counseling. In order to register for a course and counseling, buyers may contact Community Link at 866-230-0956 or any other HUD-approve Counseling Agency.

Click here for information from HUD.gov

Program Information

Underwriting Criteria

Program Overview
Frequently Asked Questions

Address Search
To find out if a house is in a HouseCharlotte Program approved NSA, enter the address in the Neighborhood & Business Services mapping application. The property's eligibility will be available in the information bubble on the map.

Eligible Neighborhoods
Inspection Request

Email the inspection request form, along with the fully executed contract, to The Housing Partnership at HouseCharlotte@cmhp.org.
The HouseCharlotte Loan Coordinator will email the requestor, typically the Buyer’s realtor, when the inspection is ordered; notifying them of which Inspector should be contacted for scheduling.
If the property does not pass inspection the requestor and the lender will be contacted via email in reference to re-inspection.
The HouseCharlotte loan funds will not be released until the property either passes inspection or receives a Certificate of Occupancy if new construction.

Vacant Homes Utilities Check List
Geography (Map)
Median Income Matrix

Lender Information
Loan Submission Forms (to be completed by lender)

Helpful Hints

Loan Package Submission

All loan submission packages requesting HouseCharlotte funds need to be submitted to The Housing Partnership.
Lenders will be able to upload the loan submission package electronically through our SharePoint system at https://HouseCharlotte.cmhp.org. This is our preferred method for receiving packages, however, in case of technical issues, our address is The Housing Partnership ATTN: HouseCharlotte 4601 Charlotte Park Drive, Suite 350, Charlotte, NC 28217.
Each lender will be assigned (1) one username and password. Your Admin or Technical Support person will need to make sure the SharePoint access is set-up properly.
The HouseCharlotte Loan Review Specialist will confirm receipt of your package by emailing the lender and the Buyer’s realtor.

Once the loan is approved, the Lender and Buyer’s realtor will be notified via email.

Closing Process

When the HouseCharlotte funds are ready The Housing Partnership will notify the Lender and the Buyer’s realtor via email. The check will need to be picked up at City of Charlotte Neighborhood & Business Services office, 600 E. Trade Street, Charlotte, NC 28205.

The loan closing documents will be sent to the Attorney Office electronically from The Housing Partnership SharePoint system. The Attorney or Paralegal will need to download the closing documents from the system at https://HouseCharlotte.cmhp.org.

Each Attorney Office will be assigned (1) one username and password to be used by all locations.

Attorney office should return closed executed original closing documents to The Housing Partnership ATTN: HouseCharlotte 4601 Charlotte Park Drive, Suite 350, Charlotte, NC 28217.