Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

North Carolina program

City of Durham Down Payment Assistance Program

North Carolina route through City of Durham Community Development Department. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Forgivable second mortgage Forgivable if occupancy holds 2026-04-19
Agency City of Durham Community Development Department
Support type Forgivable second mortgage
Amount highlight Up to $80,000 in down payment and closing cost assistance for properties within Durham city limits.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to North Carolina program hub

Amount

Up to $80,000 in down payment and closing cost assistance for properties within Durham city limits.

Type

Forgivable second mortgage

Repayment

The assistance is a 0% interest forgivable mortgage loan with a 15-year term. The balance is forgiven at 1/15 each year if the borrower continues to occupy the home as a primary residence; if the borrower no longer occupies the residence during the affordability period, the remaining balance is due and recaptured by the City.

First-time buyer

Required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Low- to moderate-income first-time homebuyers

What support do you get?

Up to $80,000 in down payment and closing cost assistance for properties within Durham city limits.

Do you repay it?

The assistance is a 0% interest forgivable mortgage loan with a 15-year term. The balance is forgiven at 1/15 each year if the borrower continues to occupy the home as a primary residence; if the borrower no longer occupies the residence during the affordability period, the remaining balance is due and recaptured by the City.

How do you apply?

Apply through one of the City of Durham's approved participating lenders, complete a HUD homebuyer education course, and submit the required household and mortgage documents through the lender.

Official source evidence

Official Durham materials state that eligible first-time homebuyers can apply for up to $80,000 and that the assistance is a 0% forgivable mortgage loan with a 15-year term.

View official source

Last verified

2026-04-19

2024-08-20

Paid preview

What paid access adds for City of Durham Down Payment Assistance Program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

City of Durham Down Payment Assistance Program

Amount: Up to $80,000 in down payment and closing cost assistance for properties within Durham city limits.

Repayment: The assistance is a 0% interest forgivable mortgage loan with a 15-year term. The balance is forgiven at 1/15 each year if the borrower continues to occupy the home as a primary residence; if the borrower no longer occupies the residence during the affordability period, the remaining balance is due and recaptured by the City.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • City of Durham Down Payment Assistance Program requires a participating lender.
  • City of Durham Down Payment Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Does City of Durham Down Payment Assistance Program require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with City of Durham Down Payment Assistance Program, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply.
  • Confirm whether City of Durham Down Payment Assistance Program requires a participating lender.
Unlock comparison and lender prep for North Carolina

Paid research preview

What paid research already covers in North Carolina

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for North Carolina.

4 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

2 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

See deeper North Carolina leads

Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

Save for comparison

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Decision output

Comparison, risk checks, and lender prep

Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.

Open shortlist See deeper state leads