Skip to content. | Skip to navigation


Affordable Housing Primer Chapter 4


Buying a home is a major investment.  There are benefits to homeownership, but owning a home also comes with added responsibilities.  While there are programs to help make buying a home easier, all programs have income requirements.

This chapter examines homeownership, and discusses considerations to make when deciding whether this is the most appropriate housing option given your current financial and life situation, as well as information to help you stay in your home.

If you would like a hard-copy or Braille version of this Affordable Housing Primer, or have any questions, please contact us.

Click here to download Chapter 4 in pdf format.

Click here to download Chapter 4 - Large Print in pdf format.

Click here to download Chapter 4 - Spanish Version in pdf format.

Click here to download Chapter 4 in plain text format.



To contact a Housing Counselor in your area, call The Affordable Housing Group at 704-258-2302 or visit their website.  Local Housing Counselors can also be found on HUD’s and NCHFA’s websites.

To learn more about USDA's Rural Opportunity Mortgage program, visit their website.   

For an updated list of PHAs participating in the Section 8 Homeownership Program, click here.

For more information on Habitat for Humanity contacting your local affiliate click here

For more information on Individual Development Accounts, contact The IDA and Asset Building Collaborative of North Carolina at 919-341-6418 or visit their website.

If you feel you have been a victim of predatory lending, contact the Center for Responsible Lending at 919-313-8500, the NC Justice Center at 919-856-2570, or you can file a complaint through the NC Attorney General’s office at 1-877-5-NOSCAM.

If your home needs accessibility modifications you may qualify for assistance.  Click here for more information, or call (919) 877-5700

If your home needs major repairs and your income is below 80% of area median income, or you need emergency repairs click here, or call (919) 877-5700

For more information on the Veteran Administration's Home Improvements & Structural Alterations Program, click here.

NC DAAS Housing and Home Improvement Services
can be accessed through regional Area Agencies on Aging. To find your Area Agency on Aging, click here, and then click on Area Agencies on Aging in the listing on the left side of page and choose the county where you live.

For information on NC's Weatherization Assistance Program and the Heating and Air Repair and Replacement Program, click here for a list of the 33 agencies who administer these programs in communities throughout the state.

Duke energy
customers in certain areas may receive assistance from nearby housing rehabilitation services providers.  Click here if you are interested

For Progress Energy's program that helps cover home energy bills call 1-800-662-7030

To find a certified reverse mortgage housing counselor, call NC Housing Finance Agency at 919-877-5700.

Document Actions