The safety of our employees, community, and customers are our primary concern. There are a number of measures we’re taking to ensure we manage to safely get through the COVID-19 situation, while continuing to serve our community and customers effectively.  As a result, we have adjusted our work schedules to 2 days a week in the office for the next two weeks. There will be a HouseCharlotte representative in the office every day. Please note that there will be a delay in the processing of file submissions, as well as inspection requests.  Due to the newly released Stay at Home order, HouseCharlotte file turn around time will be further delayed.  Please allow 20 business days for processing of complete file submissions and City of Charlotte loan funding.  We ask for your patience during this time as we follow up on your requests.  Thank you in advance for your attention to this matter.


HouseCharlotte Program

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


We are pleased to announce that the City of Charlotte has partnered with Federal Home Loan Bank of Atlanta to offer the Community Heroes Homeownership Program.  This new downpayment assistance program is available to public school teachers, law enforcement officers, firefighters, and other first responders (EMT, MEDIC) with household incomes of 80.01% – 120% Area Median Income (AMI).
For more information please click below:

Frequently Asked Questions

Who Is Eligible?

Community Heroes Program Overview 

The first mortgage lender will apply on the customer’s behalf and must be an approved HouseCharlotte lender and Federal Home Loan Bank of Atlanta member. The list of approved lenders can be found by scrolling down to the “lender information ” tab and clicking on “HouseCharlotte Approved Lenders List”. The Lenders  highlighted in green are eligible to offer this program.  **FOR LENDERS ONLY**  To become an approved HouseCharlotte lender please scroll down and click the link titled “Become a Registered Lender”.  To become a member of Federal Home Loan Bank of Atlanta please CLICK HERE or call 800-536-9650 ext. 8093.


Community Heroes Loan Submission Forms


Please click the following link for information on The Community Letter – Charlotte City Council’s adopted actions in response to the community.

Program Features

The HouseCharlotte program provides 5, 10, or 15-year, deferred, forgivable loans to qualified  applicant’s .  Funds can be used to cover downpayment, closing cost, and interest rate buy down.


  • Funding up to $10,000 for families with household income at or below 80% Area Median Income (AMI) purchasing within Charlotte City limits.
  • Funding up to $10,000 for Public Service Employees with household income at or below 80% AMI purchasing within Charlotte City limits. 
  • Funding up to $7,500 for families with household income above 80% AMI, up to 110% AMI purchasing within Charlotte City limits.
  • PILOT PROGRAM – Up to $17,000 for families with household income at or below 80% AMI purchasing in select High Cost City of Charlotte NPA’s.


  • Families with household income that is 110% or less of the HUD Area Median Income are eligible for assistance
  • Participants must complete a pre-purchase Homeownership program through a HUD-approved Housing Counseling Agency.
  • The home must be a family’s primary residence and be located within the City of Charlotte or one of designated HouseCharlotte eligible NPA’s per the Program Features.
  • Maximum purchase price is $230,000 for New Construction properties and $200,000 for Existing properties.
    • The HouseCharlotte down-payment assistance can be combined with other DAPs such as NCHFA-CPLP (Community Partners Loan Pool).



How the program works

Lenders 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.

Please note that HouseCharlotte is not affiliated with any Real Estate Company, Broker or Agent.  Buyers are welcome to use the agent of their choice.

The selected home must be located within the City of Charlotte limits. To determine if the property of interest is eligible, and address search must be completed through the mapping application.  See Address Search section below.

Once you have found a house in an eligible area, ask your lender to apply for the HouseCharlotte program. You also must complete a Homeownership program. Pre-Purchase Counseling & Homebuyer Education performed by The Homeownership Center of Charlotte or Prosperity Unlimited, Inc. is preferred. In order to register for a Homeownership program, buyers may contact The Homeownership Center of Charlotte at 704-342-0933, Prosperity Unlimited, Inc. at 704-933-7405, or any other HUD-Approved Counseling Agency.

  • All parties on the loan must attend a minimum of eight (8) hours of homebuyer education and counseling with a HUD-approved Housing Counseling Agency.
  • ——Online Education is accepted from E-Home and Framework ONLY. Face-to-face Counseling is required. *Please note we give 4hrs of credit for online education therefor the remaining 4hrs should come from face to face counseling.
  • A certificate is issued upon completion of training which is valid for one year only.
  • Completion of homebuyer education training does not guarantee approval of HouseCharlotte funds.

Address Search

To find out if a house is in a HouseCharlotte Program eligible area, enter the address in the HouseCharlotte Mapping Application. The property’s eligibility will be available in the information bubble on the map.

Please note Effective March 2014 Tenant occupied properties are not eligible for purchase using HouseCharlotte funds.  Neither can the inspection request be processed.  Once the tenant has moved, the inspection can be ordered.  At that time a new purchase contract dated after the property is no longer tenant occupied, and a new Inspection Request form will be required. 

  • Email the inspection request form, along with the fully executed contract, to The Housing Partnership at
  • A HouseCharlotte team member will email the requestor, typically the Buyer’s agent, when the inspection is ordered; notifying them of which Inspector should be contacted for scheduling.
  • Certificate of Occupancy accepted if new construction.

In lieu of the HouseCharlotte inspection, buyer(s) have the option, at the buyer’s cost, to hire an independent Licensed NC Home Inspector. However, this Inspector must complete the HouseCharlotte Minimum Housing Inspection Forms along with their normal inspection form.

  • Upon completion of the inspection, the fully executed contract, the inspection, and the completed 12 page HouseCharlotte Minimum Housing Inspection form must all be forwarded to HouseCharlotte via email to


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 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.
  • A HouseCharlotte team member will confirm receipt of your package by emailing the lender and the Buyer’s agent.
  • Upon receipt of a complete loan submission package, allow 10 business days for processing and funding.
  • Once the loan is approved, the Lender and Buyer’s agent will be notified via email.

The Closing Process


  • When the HouseCharlotte funds are ready The Housing Partnership will notify the Lender and the Buyer’s agent via email. The check will need to be picked up at the City of Charlotte Housing & Neighborhood Services office, 600 E. Trade Street, Charlotte, NC 28202.
  • 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
  • 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.

Become a Registered Lender

Lender Information Letter  (Includes items required to be submitted with Lender Agreement)
Lender Agreement

Effective April 1, 2017 – all Loan Officers who wil use the HouseCharlotte program must complete a Mandatory lender training. There is an initial New Lender Training as well as an annual renewal training requirement. Please contact for details. 


For General Program Information, Loan Submission Process and Requirements
The Housing Partnership HouseCharlotte Team


For Lender Registration and Post Closing Account Services
City of Charlotte Housing & Neighborhood Services
Ron Mason