City of Durham Community Development Department
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City of Durham Community Development DepartmentNCFirst-Time HomeownerCity of Durham down payment and closing cost assistance structured as a zero percent interest forgivable loan that can provide up to eighty thousand dollars for qualified first time buyers.
Updated: Dec 6, 2025
Durham’s Down Payment Assistance Program provides up to $80,000 in 0% interest forgivable assistance to help first-time buyers purchase homes within the city.
Eligible for: First-time homebuyers purchasing a primary residence within Durham city limits who meet HUD-based income limits, property and purchase-price…
Funding: Provides up to eighty thousand dollars in down payment and closing cost assistance as a zero percent interest forgivable loan that can significantly reduce the first mortgage amount and monthly housing costs for income eligible households.Deadline: Rolling, subject to annual funding allocations and program guidelinesRollingLocalhomebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerDurham residentdown payment assistanceclosing cost assistance0% interestforgivable loancity programlarge assistance amount