Application packet that can be picked up or

emailed upon request

Last 2 years of W-2's and tax returns

2 months of pay stubs and verification of any

other income. Income is needed for anyone

over the age of 19 years old in the household

that is working, full time students excluded.

2 months bank statements (checking and

savings) Clients should show 2 consecutive

months of proof of at least $1,000 in their

bank account to qualify.

DOCUMENTS NEEDED?

THE HOME program is funded by the U.S.

Department of Housing and Urban Development

(HUD). The program offers assistance with

affordable FHA, USDA, or Conventional mortgage

products. This assistance is a soft-second

mortgage, forgiven after 5 years. Should the

homeowner sell, re-fiance or no longer live in the

house as a primary residence before the end of the

five year period, funds must be repaid.

Clients are eligible for UP TO $5,000 for the down

payment and closing costs of theipurchase of their

first home that must be located within Gaston

County. We give every client what they need to

close so some clients don't even utilize the entire

$5,000 allowing us to help more local families.

Maximum gross income based on family size

Family size Income limit

1 person $46,800

2 persons $53,450

3 persons $60,150

4 persons $66,800

5 persons $72,150

Call for larger household sizes & Cleveland

County income limits

INCOME LIMITS

To qualify for assistance clients must currently

reside within Gaston County: Belmont,

Bessemer City, Cherryville, Cramerton, Dallas,

Gastonia, Lowell, McAdenville, Mount Holly,

Ranlo, Stanley, Unincorporated areas of Gaston

County, or within the city limits of Kings

Mountain (both Gaston and Cleveland)

ELIGIBILITY AREAS

We empower our clientswith the basic knowledge ofwhat it takes to be a homeowner to help them reach

their potential of homeownership.

WHAT DO WE DO?

City of GastoniaH o m e b u y e r ' s

A s s i s t a n c e P r o g r a m

Opening the door tohome ownership starts

here.

Contact Us

Communi ty Serv ices

150 S. York St reet , Second Floor

Gaston ia , NC 28052

704 -866 -6752

Gather up all the required documents and call

to make an appointment. At your appointment,

staff will review your income, debt and credit

and counsel you about the home buying

process.

Clients are required to attend one home buyer

education class (typically held once a month

on Saturday morning)

The key to your success is the knowledge you

will gain about the home buying process. We

believe that "knowledge is power" and you can

use that knowledge to follow your dream.

WHAT IS MY FIRST STEP?