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STEP 1: Contact Your Local HUD-Approved Housing Counseling Agency. An accepted and convenient method of obtaining the required homeownership education counseling for your CHFA loan. This down payment assistance program, combined with the House Key Opportunity first mortgage, is a second mortgage of up to $10,000, with a 1 percent interest rate and 30-year deferred payments. Cost: $99. 1. In order to assist our affiliates with meeting this requirement, Habitat NC has partnered with eHome America to provide. Each course is designed to prepare you for every facet of the home buying. eHome America’s signature Homebuyer Education course is the certified web-based program for prospective first-time homebuyers. All courses are available in both English and Spanish. Enjoy Homebuyer Education Course promo code “CODE45”. Take the homebuyer education course that takes you step-by-step through the homebuying process, how to save along the way, and where to negotiate. 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