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.
Programs and terms can change. I work with multiple lenders and can help you find the best option for your situation.
Want to see what you actually qualify for? I'll connect you with a lender and help you understand your options -- no pressure
My Picks This Week
If you are not sure where to start here are my picks:
3117 Nevin Place Dr at $224,999 is one of the lowest price points on the list right now. It’s a good entry option if your goal is just getting into the market without stretching your budget.
2715 Southwest Blvd at $219,975 is another lower-priced option that’s going to get attention quickly. If you’re trying to stay conservative on your monthly payment, this is worth a look.
8207 Belmont Stables Dr at $305,000 sits in a range where most buyers are actually shopping. This one hits that balance between affordability and location.
651 Stillgreen Ln at $325,000 is right in that first-time buyer sweet spot. It’s a clean price point in an area where buyers are still finding value.
8015 Trotter Rd #16 at $339,000 is a solid mid-range option if you want something a little more updated without jumping into the 400s.
1539 Bear Mountain Rd at $355,900 is pushing higher, but still realistic for buyers using this type of loan.
12313 Carolina Crossing Dr at $375,000 is for buyers who want something closer to newer construction feel without going over budget.
Not every home will qualify depending on condition and loan approval, but this is a strong starting point if you’re trying to figure out what’s possible.
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)
655 Stillgreen Lane, 28214 — $350,000
651 Stillgreen Lane, 28214 — $325,000
4516 Brooktree Drive, 28208 — $275,000
1038 Chalk Hill Lane, 28214 — $350,000
3117 Nevin Place Drive, 28269 — $224,999
4715 McClure Road, 28216 — $425,000
4723 Westcrest Drive, 28208 — $260,000
8300 Knights Bridge Road, 28210 — $320,000
12313 Carolina Crossing Drive, 28273 — $375,000
2723 Old Ironside Drive, 28213 — $375,000
8015 Trotter Road #16, 28216 — $339,000
6526 Jupiter Lane, 28213 — $380,000
6243 Day Lilly Lane, 28216 — $335,000
1200 Weststone Drive, 28208 — $345,000
5705 Mossdale Lane, 28278 — $400,000
1309 Fairmont Street, 28216 — $449,000
1511 Briarfield Drive, 28205 — $419,900
1940 Lansdale Drive, 28205 — $440,000
1135 McLaughlin Drive, 28212 — $450,000
2628 Marmac Road, 28208 — $250,000
2715 Southwest Boulevard, 28216 — $219,975
2902 Royal Fern Lane, 28215 — $390,000
11220 Walland Lane, 28273 — $479,900
8207 Belmont Stables Drive, 28216 — $305,000
5022 Silabert Avenue, 28205 — $400,000
9200 Brightleaf Place, 28269 — $435,000
2536 Thornfield Road, 28273 — $325,000
2046 McDonald Drive, 28216 — $325,000
4106 Tipperary Place, 28215 — $319,000
2601 Yarrow Road, 28213 — $420,000
12525 Panthersville Drive, 28269 — $345,000
7336 Everett Drive, 28214 — $290,000
2629 Ringwood Street, 28208 — $310,000
11751 Blue Tick Court, 28269 — $225,000
13504 Calloway Glen Drive, 28273 — $265,000
3029 Cresthill Drive, 28212 — $325,000
8341 Scotney Bluff Avenue, 28273 — $320,000
9653 Terrier Way, 28269 — $265,000
8619 Wandering Creek Way, 28227 — $220,000
10142 Forest Landing Drive, 28213 — $239,900
10215 Orchard Grass Court, 28278 — $330,000
9005 Shenington Place, 28216 — $320,000
1539 Bear Mountain Road, 28214 — $355,900
2930 Clyde Drive, 28208 — $342,990
9111 Touchstone Lane, 28227 — $385,000
12235 Jessica Place, 28269 — $245,000
2926 Clyde Drive, 28208 — $469,990
4851 Steepleglen Court, 28269 — $290,000
7519 Eurostar Drive, 28213 — $385,000
14443 Catherine Miller Drive, 28273 — $375,000
10008 Prosperity Point Lane, 28269 — $389,900
15137 Oldcorn Lane, 28262 — $415,000
1209 Harrill Street, 28205 — $450,000
3149 Finchborough Court #206, 28269 — $414,000
2738 Catalina Avenue, 28206 — $375,000
5508 Viewmont Drive, 28215 — $255,000
6211 Spanish Oak Road, 28227 — $250,000
7500 Swedish Ivy Lane, 28227 — $345,000
12151 Stewarts Crossing Drive, 28215 — $375,000
1446 Samuel Street, 28206 — $358,990
1442 Samuel Street, 28206 — $370,990
2919 Statesville Avenue, 28206 — $340,990
2915 Statesville Avenue, 28206 — $328,990
5406 Starflower Drive, 28215 — $339,000
6032 Briggs Drive, 28269 — $367,000
5024 Victoria Avenue, 28269 — $207,500
8825 McClure Circle, 28216 — $287,900
12531 Deaton Hill Drive, 28269 — $360,000
5904 Ellimar Field Lane, 28215 — $459,000
9046 Milton Morris Drive, 28227 — $300,000
6528 Forest Cross Drive, 28216 — $330,000
220 Oregon Street, 28208 — $225,000
3119 Finchborough Court #211, 28269 — $424,000
2437 Greenland Avenue, 28208 — $400,000
3216 Finchborough Court #261, 28269 — $399,000
2405 Celosia Drive, 28262 — $315,000
6210 Grove Park Boulevard, 28215 — $330,000
4832 Cheviot Road, 28269 — $339,000
Where You Can Buy at These Price Points? Most of these homes are in East and North Charlotte—click below and start there.
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