State Buyer Programs
First-Time Home Buyer
Programs in North Carolina
Down payment assistance, transfer tax rates, and what to expect at closing when buying your first home in North Carolina.
North Carolina First-Time Buyer Overview
Your state's HFA is the primary source for below-market mortgages and down payment assistance programs.
Income limits at $134,000 for most programs.
Learn more →Must be a first-time buyer or military veteran.
Learn more →North Carolina Excise Tax (deed stamps) is $2 per $1,000 of value (0.2%). Paid by the seller by convention, but included in closing cost negotiations.
North Carolina is an attorney-state. A licensed NC attorney must conduct the closing and title examination.
Tools for Buying Your First Home in North Carolina
Pre-approval, inspection, insurance, and moving — the same trusted tools, relevant wherever you're buying in North Carolina.
Get Pre-Approved
Get a real pre-approval letter in about 3 minutes with no origination fee and no commission-hungry loan officer. Fully online — you won't get pressured into a bigger loan.
Get Pre-Approved →See real mortgage rates from multiple lenders side by side without your credit score taking a hit. Takes 3 minutes and you don't have to commit to anything.
Compare Rates →Home Inspection
Never skip the inspection. Inspectify lets you book a certified home inspector in your area in seconds. Digital reports, same-day availability in most markets.
Book an Inspection →Home Insurance
Get a homeowners insurance quote in 90 seconds. Lemonade uses AI to underwrite policies faster than any traditional insurer — and claims are often paid in minutes.
Get a Quote →Home Warranty
When the HVAC dies three weeks after closing, you'll be glad you have a home warranty. AHS covers major systems like HVAC, plumbing, and electrical — plus appliances.
View Plans →Moving
Get quotes from licensed movers in your area. Moving.com vets companies for licensing and insurance so you're not handing your stuff to a random guy with a truck.
Get Moving Quotes →Looking for a different state?
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