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City of Durham Down Payment Assistance Program

Quick answer

City of Durham Down Payment Assistance Program is a North Carolina down payment assistance program from City of Durham Community Development Department. It provides Up to $80,000 as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Page says loans are provided; terms not detailed. Must not have owned a home in last 3 years; within Durham city limits. $3.2M first-come first-served; lender list current as of May 8, 2026.

Where does City of Durham Down Payment Assistance Program apply?

This city-level program is available to buyers in Durham. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $80,000
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI (FY2026: $71,200 for 1 person; $101,700 for 4 persons)

How does City of Durham Down Payment Assistance Program work with an FHA loan?

North Carolina's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://durhamnc.gov/4609/Down-Payment-Assistance-Program. Programs can pause when funds run out, so confirm availability with a participating lender.

← All North Carolina down payment assistance programs

Frequently asked questions

Up to $80,000, according to City of Durham Community Development Department.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

80% AMI (FY2026: $71,200 for 1 person; $101,700 for 4 persons)

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.