Affordable Housing Programs

Through the CDBG & HOME Programs, the City provides housing assistance to income-eligible residents for the purchase, rehabilitation, and/or construction of homes through several different programs. There are four programs available: Down Payment Assistance, New Construction, Owner-Occupied Housing Rehabilitation, and Emergency Repair.

The affordable housing programs are primarily funded through the Community Development Block Grant (CDBG) and HOME Investment Partnerships (HOME) Programs. The City is awarded funds from each of these programs on an annual basis. Both operate under the 2016-2020 Consolidated Strategic Plan which establishes a unified, coordinated vision for community development actions for five years. The City uses input from citizens and its community development partners to determine its housing and community development needs, to develop strategies for addressing those needs, and to undertake specific actions consistent with those strategies. 

To be eligible for one of the housing assistance programs, a family’s household income may not exceed 80% of the area’s median income. The maximum allowable household income is determined by household size and income as indicated in the chart below:


HUD 2018 Annual Income Limits

1 person household


2 person household


3 person household


4 person household


5 person household


6 person household


7 person household


8 person household



Down Payment Assistance Program

This program provides down payment and closing cost assistance up to $5,000 to eligible first-time home buyers. Eligible home buyers are individuals or families that meet the income limits set by HUD and are first-time home buyers or have not owned a home within three years of the anticipated purchase date.  The cost of the home cannot exceed $165,000 (existing home) or $212,000 (new construction), and must be located within the city limits of Concord. The applicant will be required to attend home buyer education classes prior to the purchase. Funds are limited and provided on a first-come first-serve basis.

Assistance is provided through a second mortgage in the form of a five-year forgivable loan.

Program Contact: Debbie Savage, 704-920-5122.

Click here for additional information and an application.


New Construction

The purpose of this program is to provide low and moderate income first-time home buyers the opportunity to own a home. This program also increases the city’s tax base, improves the appearance of neighborhoods, and promotes private investment in older parts of the city.

The Community Development team oversees the design and construction of affordable housing. New homes may replace ones that are severely deteriorated or they may be constructed on vacant lots owned by the city. The city has a number of infill lots in the center city area on which affordable homes can be constructed. If you meet the eligibility criteria, you may select one of the city’s house plans to be constructed on one of these lots.  For more information about this program, contact Pepper Bego at 704-920-5133.


Public Housing Options

The City of Concord Housing Department also provides safe, decent, and affordable housing options to low-income residents in Cabarrus County.  The Department administers several programs, including the Section 8 Housing Choice Voucher Program, the Family Self-Sufficiency Program (FSS) and the ROSS Homeownership Program.  The Department offers affordable rental housing and four (4) public housing sites.

For more information, please contact the office at 704-920-6100 or visit the website (


Housing Rehabilitation Assistance Programs

Substantial Housing Rehabilitation Program

Assistance through this program is available to low and moderate income homeowners whose homes are in substandard condition.  The applicant must own and reside in the home and meet HUD income limits.  This program addresses all major housing code and structural problems. 

Maximum assistance is based on HUD’s Maximum Post-Rehabilitation Property Value of $230,470. If the tax value of the home, plus the cost of repairs exceed these limits, assistance cannot be provided. The assistance is repaid through a second mortgage which is in the form of a low interest or forgivable loan.

Funding for this program is provided by the HOME Investment Partnership Grant.


Emergency Needs Repair Program

The Emergency Needs Repair Program provides funds to low and moderate income homeowners for repairs that are urgent in nature and necessary to protect the health and safety of the occupants.   

Applicants must meet HUD income limits and own and occupy the home. Examples include, but are not limited to, the repair or replacement of HVAC, roofing, plumbing or electrical systems. This program is not intended to address every code issue in a house.  

Maximum assistance through this program is $7,500 and is repaid through a low interest or forgivable loan that is based on the owner’s annual household income.  

For additional information about the housing rehabilitation programs, contact Debbie Savage at 704-920-5122. 

To apply for assistance, please fill out the application for Housing Rehabilitation Assistance. (Note:  After opening the application, you may type your information into the form by clicking on the Typewriter Tool in Acrobat Reader).

Funding for this program is provided by the Community Development Block Grant (CDBG) Program.