Zero Down & Low Down Payment Homes in Charlotte
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These homes may qualify for zero or low down payment programs depending on the buyer, loan type, and property guidelines. Not all buyers or homes will qualify.
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My Picks This Week
If you are not sure where to start here are my picks:
1227 Tarrington Ave – $415,000 – 28205
If you’ve been trying to get into the 28205 area without pushing into the $500Ks, this is one to look at. Location alone makes this interesting.
4164 Welling Ave – $205,000 – 28208
This is your entry-level option. At this price, expect updates—but if you’re okay putting in some work, this could be a solid starting point.
1100 Penrose Ln – $300,000 – 28217
Hard to find something around $300K this close to South End and major job areas. Good option if you care more about location than finishes.
8636 Warwick Crest Ln – $319,900 – 28215
This is what affordability looks like right now. Likely more space for the price compared to other areas.
2025 Birchside Dr – $434,900 – 28205
Another strong East Charlotte play. Higher price point, but you’re buying into an area that continues to see demand and improvement.
Most of the more affordable options right now are in East and North Charlotte. That’s where you’re still seeing opportunity at these price points.
This Week’s Homes (Updated March 27, 2026)
224 Rhyne Station Rd, Charlotte, NC 28214 – $325,000 – 4 bed
1100 Penrose Ln, Charlotte, NC 28217 – $300,000 – 4 bed
1227 Tarrington Ave, Charlotte, NC 28205 – $415,000 – 7 bed
6219 Thompson Brook Ln, Charlotte, NC 28212 – $365,000 – 7 bed
8636 Warwick Crest Ln, Charlotte, NC 28215 – $319,900 – 7 bed
3217 Bending Birch Pl, Charlotte, NC 28206 – $399,000 – 7 bed
9740 Springholm Dr, Charlotte, NC 28278 – $400,000 – 6 bed
1225 Eagles Landing Dr, Charlotte, NC 28214 – $270,000 – 7 bed
3100 Burkston Rd, Charlotte, NC 28269 – $375,000 – 7 bed
8411 Chaceview Ct, Charlotte, NC 28269 – $280,000 – 6 bed
6918 Tuckaseegee Rd, Charlotte, NC 28214 – $265,000 – 6 bed
3208 Boyd St, Charlotte, NC 28208 – $335,000 – 7 bed
13505 Walkers Creek Dr, Charlotte, NC 28273 – $425,000 – 7 bed
1211 Yuma St, Charlotte, NC 28213 – $285,000 – 6 bed
1906 Burgandy Dr, Charlotte, NC 28262 – $250,000 – 7 bed
7101 Obrien Ct, Charlotte, NC 28269 – $435,000 – 4 bed
13213 Lampmeade Ln, Charlotte, NC 28273 – $394,500 – 7 bed
2025 Birchside Dr, Charlotte, NC 28205 – $434,900 – 7 bed
1112 Doveridge St, Charlotte, NC 28273 – $425,000 – 7 bed
14242 Tamarack Dr, Charlotte, NC 28278 – $295,000 – 7 bed
1604 Swan Dr, Charlotte, NC 28216 – $420,000 – 7 bed
6223 Whitewater Dr, Charlotte, NC 28214 – $389,900 – 7 bed
7925 Turquoise Dr, Charlotte, NC 28215 – $290,000 – 6 bed
2517 Plum St, Charlotte, NC 28269 – $327,950 – 7 bed
4105 Abbeydale Dr, Charlotte, NC 28205 – $349,000 – 6 bed
4920 Rockwood Rd, Charlotte, NC 28216 – $435,000 – 7 bed
4164 Welling Ave, Charlotte, NC 28208 – $205,000 – 7 bed
2529 Waters Vista Cir, Charlotte, NC 28213 – $475,000 – 2 bed
7309 Palmetto Ct, Charlotte, NC 28227 – $279,000 – 7 bed
3047 Potomac River Pkwy, Charlotte, NC 28217 – $375,000 – 7 bed
4207 Somerdale Ln, Charlotte, NC 28205 – $499,995 – 7 bed
8701 Kirkley Glen Ln, Charlotte, NC 28215 – $370,000 – 6 bed
3268 Summercroft Ln, Charlotte, NC 28269 – $240,000 – 6 bed
2334 Rachelwood Dr, Charlotte, NC 28273 – $334,900 – 7 bed
2330 Rachelwood Dr, Charlotte, NC 28273 – $294,900 – 7 bed
8422 Chaceview Ct, Charlotte, NC 28269 – $270,000 – 7 bed
311 Alabarda Ln, Charlotte, NC 28273 – $235,000 – 6 bed
9332 Broken Pine Ln, Charlotte, NC 28269 – $379,000 – 7 bed
8458 Carolina Lily Ln, Charlotte, NC 28262 – $285,000 – 7 bed
1727 Evergreen Dr, Charlotte, NC 28208 – $420,000 – 7 bed
3545 Sargeant Dr, Charlotte, NC 28217 – $385,000 – 2 bed
3905 Mcmillan St, Charlotte, NC 28205 – $210,000 – 7 bed
3581 Draycott Ave, Charlotte, NC 28213 – $232,000 – 7 bed
6738 Eastfield Park Dr, Charlotte, NC 28269 – $415,000 – 7 bed
3167 Caldwell Ridge Pkwy, Charlotte, NC 28213 – $300,000 – 3 bed
7138 Rena Mae Ln, Charlotte, NC 28227 – $375,000 – 7 bed
12221 Whiteside Dr, Charlotte, NC 28278 – $335,000 – 7 bed
6112 Coltswood Ct, Charlotte, NC 28211 – $440,000 – 7 bed
408 Clark Blvd, Charlotte, NC 28262 – $400,000 – 6 bed
3308 Lemongrass Ln, Charlotte, NC 28214 – $420,000 – 6 bed
3623 Sargeant Dr, Charlotte, NC 28217 – $405,000 – 6 bed
8405 Duckwood Ln, Charlotte, NC 28215 – $329,900 – 6 bed
6608 Wagon Oak Rd, Charlotte, NC 28212 – $300,000 – 6 bed
5307 Dawndeer Ln, Charlotte, NC 28212 – $275,000 – 5 bed
9006 Corey Common Ave, Charlotte, NC 28216 – $332,000 – 4 bed
10132 Orchard Grass Ct, Charlotte, NC 28278 – $319,900 – 4 bed
911 Swearngan Ridge Ct, Charlotte, NC 28216 – $314,900 – 4 bed
6900 Barrington Dr, Charlotte, NC 28215 – $384,900 – 4 bed
9906 Mallard Creek Rd, Charlotte, NC 28262 – $394,555 – 5 bed
727 Almora Dr, Charlotte, NC 28216 – $325,000 – 4 bed
4301 Grove St, Charlotte, NC 28269 – $345,000 – 4 bed
1501 Clooney Ln, Charlotte, NC 28262 – $289,000 – 4 bed
9721 Munsing Dr, Charlotte, NC 28269 – $469,900 – 3 bed
4492 Antelope Ln, Charlotte, NC 28269 – $299,000 – 2 bed
3516 Birch Ct, Charlotte, NC 28205 – $425,000 – 3 bed
7709 Petrea Ln, Charlotte, NC 28227 – $240,000 – 4 bed
2019 Arapaho Dr, Charlotte, NC 28214 – $379,000 – 4 bed
2906 Caldwell Ridge Pkwy, Charlotte, NC 28213 – $265,000 – 3 bed
5965 Prescott Ct, Charlotte, NC 28269 – $250,000 – 4 bed
6123 Mcintyre Ridge Dr, Charlotte, NC 28216 – $299,900 – 3 bed
8322 Knights Bridge Rd, Charlotte, NC 28210 – $290,000 – 3 bed
1610 Spring St, Charlotte, NC 28206 – $464,900 – 2 bed
1614 Spring St, Charlotte, NC 28206 – $449,900 – 2 bed
1618 Spring St, Charlotte, NC 28206 – $464,900 – 2 bed
4210 Mckendree Way, Charlotte, NC 28269 – $450,000 – 2 bed
8500 Woodhill Manor Ct, Charlotte, NC 28215 – $425,000 – 2 bed
6714 Wicked Oak Ln, Charlotte, NC 28216 – $299,900 – 2 bed
5212 Barrington Dr, Charlotte, NC 28215 – $304,900 – 3 bed
4011 Lakota Ct, Charlotte, NC 28269 – $335,000 – 3 bed
1015 Sparrow Valley Way, Charlotte, NC 28214 – $424,999 – 2 bed
615 Hillcrest St, Charlotte, NC 28206 – $239,000 – 2 bed
5112 S Tryon St, Charlotte, NC 28217 – $419,490 – 3 bed
7202 Kinley Commons Ln, Charlotte, NC 28278 – $439,900 – 3 bed
12758 Cross Dale Dr, Huntersville, NC 28078 – $269,900 – 3 bed
2823 Summergrove Ct, Matthews, NC 28105 – $275,000 – 7 bed
611 W Iredell Ave, Mooresville, NC 28115 – $210,000 – 7 bed
362 E Mills Ave, Mooresville, NC 28115 – $242,000 – 2 bed
3028 Graceland Cir, Pineville, NC 28134 – $410,000 – 7 bed
10927 Copper Field Dr, Pineville, NC 28134 – $325,000 – 7 bed
Where You Can Buy at These Price Points? Most of these homes are in East and North Charlotte—click below and start there.
Not Sure Where to Start? Tap the map to find your Area!
