CDBG and HOME Grant 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: Downpayment Assistance, New Construction, Substantial Rehabilitation, and Emergency Rehabilitation.

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 2015-2020 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 2020 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




Downpayment Assistance Program

This program provides down payment and closing cost assistance up to $7,500 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 $206,000 (existing home) or $238,000 (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, and provide $1,000 of their own funds towards 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.  The City of Concord provides downpayment assistance for single-family homes and manufactured homes.  Condos and mobile homes are not eligible for assistance through this Program.

Program Contact:  Kristina Fausel, 704-920-5122.

For convenience, apply online by clicking here.

To print and mail an application, click here.



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 Division 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.


Other Affordable Housing Options Through The City of Concord Housing Department

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

Assistance through these programs are 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.  Single-family homes and manufactured homes are eligible for assistance, but the City also may approve mobile homes for assistance.  Condos are not eligible for assistance through these Programs.

Substantial Rehabilitation Program

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. In addition, if the cost of repairs plus all mortgage(s), lien(s) or judgement(s) balances exceeds the tax value, assistance cannot be provided.  The assistance is through a low interest or forgivable loan that is based on the annual household income.

The Substantial Rehabilitation Program addresses major housing code and structural problems. Funding for this program is provided by the HOME Investment Partnership Program.

Emergency Rehabilitation Program

The Emergency Rehabilitation Program provides repairs that are urgent in nature and necessary to protect the health and safety of the occupants.  

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 $10,000.

For additional information about the housing rehabilitation programs, contact Kristina Fausel 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.




Resources for General Contractors

The City of Concord receives funding directly from the U.S. Department of Housing and Urban Development (HUD) to perform emergency repairs and to rehabilitate homes that are owned by low- and moderate-income families and are located within the City limits.  The City’s funding also is used to construct new, affordable homes that are added to its current housing stock.  All work is carried out by private contractors under the supervision of staff through a competitive bid process. 

The City of Concord actively seeks licensed general contractors to participate in its housing programs.  Qualified contractors will be added to the City’s contractor list for bid solicitation.  A North Carolina General Contractors License is required for  all contracts.  All contractors must have a Renovation, Repair and Painting certificate to participate in the City’s Housing Rehabilitation Programs.   All contractors must comply with the City’s bonding and general liability insurance requirements.  Small disadvantaged and minority firms are encouraged to participate.

Click here to access the Memorandum of Understanding, the Contractor Application, the Vendor Information, and the W-9 Form.

For more information about participating in our public procurement process and to receive bid requests, contact Michael Kepley at or 704-920-5130.