You must be a first-time homebuyer or not have owned a home in the past three years to be eligible for this program. An exception may be made in certain specific cases. Please see the program guidelines for details.

This program is limited to homebuyers who have lived OR worked in Durham for at least 12 months before they purchase their home. The home must be within Durham City limits and must be the homeowner’s primary residence.

A household that contains a full- or part-time student at an institution of higher education is eligible to participate in the program if the student is residing with their parent or parents (or other legal guardians) who are not students. Other households that contain a full- or part-time student at an institution of higher education may be eligible if the students can demonstrate that they are financially independent from their families and they meet all of the other eligibility requirements for the program. For the full student requirements, see the program guidelines.

This program does not have any requirements regarding citizenship or immigration status. Please consult with your lender about any requirements for your mortgage.

You can see all of the contents of this site translated into several languages by clicking on the menu at the top right of the page. The application and all phone and email assistance are available in English and Spanish, and translation into other languages can be arranged by contacting Ivelisse Mercado at imercado@communityhometrust.org or 919.967.1545 ext. 302.

In order to process your application, we need the following information:

  • Lender pre-qualification letter
  • 3 months of paystubs for all wage earners in the household
  • 3 months of bank statements for all accounts
  • 3 years of taxes
  • Separation Agreement (if applicable)
  • Profit & Loss for the past 12 months for all self-employment income (if applicable)
  • Child Support Agreements (if applicable)
  • Disability or Social Security award letter from the current year (if applicable)
  • Employment Verification (if applicable) Download a copy HERE.

We cannot review your application until this information is received. You can upload it in your application or email it to imercado@communityhometrust.org OR bring it by our office. If the office is closed, please drop all documents in the mail slot in the door.

Additional documentation may be required to verify your information.

You can email your documents to imercado@communityhometrust.org or mail them to Community Home Trust, P.O. Box 2315, Chapel Hill, NC 27515. You can also drop off your documents in person at our office: 105 Conner Drive, Suite 1000, Chapel Hill, NC 27514. Please note that our office is still closed to the public, but you may drop your documents in the mail slot. We anticipate reopening to the public in May.

You will need to attend a lender information session. You can find registration links for upcoming sessions on our events calendar.

No, this down payment assistance can only be used to purchase a property within Durham City limits.

You must purchase a property located within the geographic boundaries of the City of Durham.  Eligible property types include:

  • New construction
  • Pre-existing construction
  • Single-family homes
  • Condominiums
  • Townhomes
  • Manufactured Housing (newly constructed)

As stated in the Code of Federal Regulations 24 CFR 92.251(e), newly constructed manufactured housing must be on a permanent foundation. “Permanent foundation” means a foundation system of supports that is capable of transferring all design loads to the ground and meets the requirements of Code of Federal Regulations 24 CFR 203.43f(c)(i).

The home must also be inspected by a City of Durham inspector for compliance with the City of Durham’s Minimum Housing Code and fill out the required check sheet documenting property conditions. Unless otherwise approved by the City of Durham Community Development Department, the property must comply with Minimum Housing Code Standards prior to loan closing. If HOME funds are being used, the City will inspect for compliance with HOME property standards.

You will need to purchase a home on the private market. You may opt to work with a realtor of your choice to help you locate a home to purchase. Neither the City of Durham nor Community Home Trust can provide this service.

If you are looking for other nonprofit organizations to help you find a home, you may find some of these resources useful:

Great! If you have completed these requirements with another HUD certified agency, you will just need to provide proof of completion: a certificate for the homebuyer course and a letter about the financial counseling.

You will need a mortgage prequalification letter from a lender before we can begin reviewing your application, so it is best to meet with a lender before you begin the application process.

Any lender with a physical presence in North Carolina can be approved to participate in this program. (Virtual lenders cannot be approved.) In order to be added to the approved lender list, a lender must complete an information session. The list of currently approved lenders is available here.

There are no credit score requirements to qualify for this program. Please consult with your lender about their credit score requirements.

Orientation: This is a brief overview video of the program. This can also be conducted by phone as necessary.

Financial Counseling: This one-on-one counseling session with one of our certified financial counselors will help you prepare for your home purchase.

Homebuyer Education: This in-depth 8-hour class instructs first-time homebuyers in the process of buying and owning a home. This class must be taught by a certified housing counselor and you must attend at least 7 of the 8 hours to obtain your certificate, good for 12 months.

The timeline for processing applications varies from person to person. We are not able to provide a general estimate for processing at this time.