Our programs include homebuyer education, down payment assistance, one-on-one counseling, and rent and mortgage payment assistance.

Our homebuyer education, down payment assistance and one-on-one counseling help families learn how to balance a budget, qualify for a mortgage and keep up with mortgage payments. We established the Homeownership Center of Charlotte – a suite of programs to help first-time homebuyers make informed decisions about homeownership and down payment assistance. And we administer emergency rent and mortgage payment assistance programs to help keep families in their homes when unexpected life events occur. ​

​Through our work with the City of Charlotte, we administer HouseCharlotte, a down payment assistance program for qualified homebuyers, including Charlotte Community Heroes. We also administer RAMPCLT.COM, a rent, mortgage and utility assistance program to help families impacted by COVID-19, through partnerships with the City of Charlotte, Mecklenburg County, Socialserve and others. ​

​Click below to learn more about our programs.

Homeownership Education

Our homeownership education program helps first-time homebuyers make informed decisions.


The HouseCharlotte program offers down payment assistance for Community Heroes.

DreamKey Partners Programs

We offer homebuyers other affordable down payment assistance programs.

Rent and Mortgage Assistance Program

Our mortgage and rent payment assistance programs help keep families in their homes.