Wake County Affordable Homeownership Program

We highly encourage interested participants to go through the counseling process to see if you meet the requirements of the program.  The program will start again sometime during the week of August 3rd, 2026, and your preparation for the future funding will help determine if the requirements are met for the program.  The first step is to contact one of our approved lenders for the program. 

Please scroll below and visit the Approved Lenders list to begin the initial review process to determine if you meet requirements of the program.

View the latest Wake County AHP Program Information
Wake County AHP AHP Guidelines for FY 2026-2027

  • The Affordable Homeownership Program offers forgivable, no monthly payment loans up to $50,000 to low- to moderate-income households. Serving all Wake County municipalities, outside of Raleigh and Cary.*

    DHIC will administer the program and provide essential homebuyer education and and one-on-one sessions, when requested.

  • Home purchase assistance for first-time homebuyers

    A first-time home buyer is considered to be a person/family which has not owned any type of real estate in the past and most recent three (3) years.

  • To qualify, applicants must meet the following requirements:

    • Have a household income that is at or below 80% Area Median Income (AMI).

    • Individuals interested in purchasing their first home.

    *Homebuyer Education is required for the Wake County AHP program.  Please contact our HOC office at:   919.832.4345 ext. 2   for more information about homebuyer education and please reference Wake County.

    Feel free to visit our website page Homebuyer Education Workshops for more information about the available workshops and education, both virtual and online.

Additional Requirements/ Information:

Wake County 80% Income Limits by Household Size:

1 in Household: $74,100 
2 in Household: $84,700 
3 in Household: $95,300
4 in Household: $105,850
5 in Household: $114,350
6 in Household: $122,800
7 in Household: $131,300
8 in Household: $139,750

*2026 limits. Updated annually.

Maximum Sales Price: None
Minimum Credit Score: 640
Property Eligibility: New construction and existing homes

Eligible cities/townships: Apex, Fuquay-Varina, Garner, Holly Springs, Knightdale, Morrisville, Rolesville, Wake Forest, Wendell or Zebulon.

Properties located inside the City of Raleigh and the Township of Cary are excluded due to the federal funding sources supporting the program.

Approved Lenders for the Wake County Affordable Homeownership Program:

Please note – The program lenders listed below are the only approved lenders to contact specifically for the Wake County Affordable Homeownership program.

To start the eligibility process and to determine if your particular financial picture meets the requirements of the program, please contact one of the approved lenders listed on the "View Approved Lender List" button, below.

View Approved Lender List

We highly encourage and recommend utilizing one of the Real Estate Closing Attorney's provided in the link below.   The Real Estate Closing Attorney's listed are very familiar with the Wake County Affordable Homeownership Program and the requirements for both the closing steps to take place and post-closing requirements to be satisfied.   

View Approved Real Estate Closing Attorney

For questions or for more information on the application process, call DHIC at (919) 832-3696 or email us at WakeAHP@dhic.org.