Shared-appreciation loan
DCLT Permanently Affordable Homeownership Program (Community Land Trust)
New construction · Income limits · Single Family · Townhouse
Down payment assistance · Durham County
Buying a home in Durham, NC
2 Durham programs and 6 statewide.Durham has 2 programs of its own, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Durham addresses
Durham’s own programs
Deferred second loan
Down Payment Assistance (DPA) Program
First-time homebuyers · Income limits · Single-family detached · Townhome · Condominium
The Durham marketThe Durham housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Durham
- 50.8% single-familysingle-family
- 10.6% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 30.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.7% mobile & othermobile home & other
Condos count. 1 of Durham’s 2 local and county programs accept condos. DCLT Permanently Affordable Homeownership Program (Community Land Trust) lists single family and townhouse.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Durham’s homes were built
pre-19401970s2020+
29.7%
of Durham homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$129,900
County area median income, 4 people (HUD)HUD area median income, Durham County, 4-person household (2026)
$81,619
Durham median household incomeMedian household income in Durham (Census, 2024)
14 of the 70 programs here set their income limit as a share of Durham County’s area median income, adjusted for household size. See the published limits for Durham County
Free help nearbyFree help near Durham
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Durham questions
Does Durham have its own down payment program?
Yes, 2: DCLT Permanently Affordable Homeownership Program (Community Land Trust) and Down Payment Assistance (DPA) Program. Each is for homes inside Durham.
Can I use assistance on a condo in Durham?
1 of Durham’s 2 local and county programs accept condos. DCLT Permanently Affordable Homeownership Program (Community Land Trust) lists single family and townhouse. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Durham County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Durham County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Durham?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Durham. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27701 · 27702 · 27703 · 27704 · 27705 · 27706 · 27707 · 27708 · 27709 · 27710 · 27711 · 27712 · 27713 · 27715 · 27717 · 27722
Nearby in Durham
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.