The Helping Out Mecklenburg homeowners with Economic Support (HOMES) Program is returning for another season beginning July 1 – Nov. A FHA loan combined with a down payment assistance program could allow you to purchase a home with little or no money down.The City of Charlotte has developed a robust toolbox of policies and programs focused on affordable housing issues ranging from homelessness to homeownership. The NC Home Advantage Mortgage™ offers competitive rates and down payment assistance for qualified first-time and move-up buyers. I heard you can use an SBA loan to put down on a property as long as you prove to the bank that you're capable of paying it back, without using the business. The page you are looking for has been updated. The lease has ended, but the tenant has not moved out. 23 votes, 63 comments. This is a serious question lol. The North Carolina Housing Finance Agency works to create affordable housing opportunities for North Carolinians.