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City of Durham Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in the City of Durham, checked against the official page.

City of Durham down payment assistance at a glance (2026)

ProgramAmountTypeFirst-time buyerIncome limitPrice limitStatus
Down Payment Assistance ProgramUp to $80,000Not statedRequired (no home owned in the last three years)80% of AMI or below ($101,700 for a family of 4, FY2026)Not statedOffered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Down Payment Assistance Program

Type not verified

City of Durham Community Development Department

Amount
Up to $80,000
First-time buyer
Required (no home owned in the last three years)
Status
Offered
Income limit
80% of AMI or below ($101,700 for a family of 4, FY2026)

First-come, first-served through approved lenders until the funding is depleted.

Last checked Nov 3, 2026 · Official source (opens in new tab) ↗

Other local programs in North Carolina

Statewide help in North Carolina

You may also qualify for 2 statewide North Carolina programs. Local and state assistance can sometimes be layered; confirm with each administrator.

Check eligibility for North Carolina How to apply

Compare these programs · AMI / income limits · All North Carolina programs

HUD-approved homebuyer counselors in North Carolina (50)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

Common questions

Does City of Durham offer down payment assistance?

Yes. We list 1 local program checked against official pages: Down Payment Assistance Program from City of Durham Community Development Department (Up to $80,000).

Do I have to be a first-time homebuyer for City of Durham assistance?

The official pages state: Down Payment Assistance Program: Required (no home owned in the last three years).

What are the income limits for City of Durham down payment assistance?

Published on the official pages: Down Payment Assistance Program: 80% of AMI or below ($101,700 for a family of 4, FY2026). Confirm current limits with the administrator.

How does Down Payment Assistance Program work?

First-come, first-served through approved lenders until the funding is depleted.

Can I combine City of Durham assistance with statewide North Carolina programs?

Sometimes. North Carolina also has 2 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.

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