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Good news for first-time home buyers and repeat buyers in North Carolina: The state offers a loan program that comes with down payment assistance. The North Carolina Housing Finance Agency has a program called NC Home Advantage Mortgage, which combines affordable, fixed-rate loans with down payment assistance of up to 5% of the loan amount.

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Eckstein used some money for a down payment on his home, which has a swimming pool and tennis court. Florida; Redlands,