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Your Path to Homeownership Starts Here

We’ve helped more than 4,500 individuals and families become homeowners. Are you ready? Learn about our down payment assistance programs below.

House Charlotte

Up to $30,000 toward your down payment

The House Charlotte program, administered by DreamKey Partners in collaboration with the City of Charlotte, provides deferred down payment assistance to eligible homebuyers within Charlotte city limits. This initiative aims to make homeownership more accessible for households earning up to 110% of the area median income.

(income, location and other restrictions apply)

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Community Partners Loan Pool (CPLP)

Up to 25% of the purchase price or up to $50,000 in down payment assistance, whichever is less

The Community Partners Loan Pool (CPLP) program, administered by DreamKey Partners in collaboration with the North Carolina Housing Finance Agency, offers 0% interest, deferred second mortgage loans to eligible homebuyers. Qualified applicants can receive up to 25% of the home's purchase price, not to exceed $50,000, to assist with down payment costs.

(income and other restrictions apply)

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Doorway to Prosperity

Up to $95,000 toward your down payment

The Doorway to Prosperity program, a collaboration between DreamKey Partners and True Homes, offers eligible House Charlotte homebuyers purchasing homes in Clarks Village, Dukes Ridge, or Wabash Avenue neighborhoods in Charlotte up to $95,000 in down payment assistance.

(income, location and other restrictions apply)

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DISCLAIMER: DreamKey Partners Mortgage, Inc. reserves the right to make changes to its loan programs and terms. Sample loan program scenario:  Purchase price of $300,000. Est. monthly payment including taxes and insurances & HOA – $1985.55. Est. funds to close – $1634.10. First mortgage – $258,000, 5.485% APR, 30 yr., fixed rate. House Charlotte Second mortgage – $30,000, 30-year deferred loan. Forgiven year 31 if loan terms are met.  DreamKey Third mortgage – $20,000 0% interest, 10 yr. deferred/forgivable.  Subordinate loan programs are available based on home selection and borrowers’ household income. The borrower must provide proof of eligibility and qualify with loan underwriting guidelines. Completion of pre-purchase homebuyer education and counseling is required. DreamKey Partners Mortgage, Inc. reserves the right to make changes to its loan programs, terms, and offerings without notice. (9/1/2022)