DownPaymentMap

DHA Homeownership Pathway: Down Payment Referrals, Durham

Durham Housing Authority Homeownership Counseling PathwayAdministered by Durham Housing AuthorityAssistanceNorth Carolina

Reviewed by Tyler Thompson, holds real estate licenses in North Carolina and South Carolina

Published · Facts verified against the official source

What Is the DHA Homeownership Counseling Pathway?

The Durham Housing Authority Homeownership Counseling Pathway is a Durham homebuyer program from Durham Housing Authority (DHA) that gives free homeownership counseling and refers buyers to down payment assistance and other special financing. It does not state a dollar amount of its own. The record describes counseling, homebuyer education, mortgage-readiness support, lender referral and referral to special financing, including the separate City of Durham Down Payment Assistance Program.

It serves the City of Durham, North Carolina.

Durham Housing Authority Homeownership Counseling Pathway at a glance

Kind of help
A assistance.
First-time buyers only?
Yes. You must be a first-time buyer.
Where
Durham city.
Homebuyer education
Required.
Buyer contribution
Greater of $500 or 1% toward the purchase
Current funding status
Funding status could not be confirmed.
Who runs it
Durham Housing Authority

Check your eligibility

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Does the DHA Homeownership Pathway Give Down Payment Money?

No amount is stated. DHA's homeownership page describes free counseling and referral services. It does not describe a separate DHA-funded down payment assistance pool, and it does not say funds are currently available (checked October 2, 2026). Once you are mortgage-ready, DHA helps identify special financing programs. Compare the City of Durham Down Payment Assistance Program, which is a separate program.

Who Qualifies for the DHA Homeownership Pathway?

These are the qualifications DHA lists:

  • First-time buyers: You must not have been a homeowner within the past three years.
  • Employment: At least one year of employment.
  • Income: Earned annual income of at least $18,600 for applicants without an HCV voucher.
  • Rental history: Completion of the initial lease term and good standing with your current landlord.
  • Counseling: Completion of all required homeownership counseling.
  • Buyer contribution: The greater of $500 or 1% toward the purchase transaction.

Only DHA decides who qualifies.

Where Is the DHA Homeownership Pathway Available?

DHA states that it serves the City of Durham, North Carolina. Check with DHA if you are buying near the city line.

Alamance CountyAlexander CountyAlleghany CountyAnson CountyAshe CountyAvery CountyBeaufort CountyBertie CountyBladen CountyBrunswick CountyBuncombe CountyBurke CountyCabarrus CountyCaldwell CountyCamden CountyCarteret CountyCaswell CountyCatawba CountyChatham CountyCherokee CountyChowan CountyClay CountyCleveland CountyColumbus CountyCraven CountyCumberland CountyCurrituck CountyDare CountyDavidson CountyDavie CountyDuplin CountyDurham CountyEdgecombe CountyForsyth CountyFranklin CountyGaston CountyGates CountyGraham CountyGranville CountyGreene CountyGuilford CountyHalifax CountyHarnett CountyHaywood CountyHenderson CountyHertford CountyHoke CountyHyde CountyIredell CountyJackson CountyJohnston CountyJones CountyLee CountyLenoir CountyLincoln CountyMcDowell CountyMacon CountyMadison CountyMartin CountyMecklenburg CountyMitchell CountyMontgomery CountyMoore CountyNash CountyNew Hanover CountyNorthampton CountyOnslow CountyOrange CountyPamlico CountyPasquotank CountyPender CountyPerquimans CountyPerson CountyPitt CountyPolk CountyRandolph CountyRichmond CountyRobeson CountyRockingham CountyRowan CountyRutherford CountySampson CountyScotland CountyStanly CountyStokes CountySurry CountySwain CountyTransylvania CountyTyrrell CountyUnion CountyVance CountyWake CountyWarren CountyWashington CountyWatauga CountyWayne CountyWilkes CountyWilson CountyYadkin CountyYancey County
Covers the city of Durham. Where the program applies, from its approved record.

How to Start With the DHA Homeownership Pathway

Schedule an appointment with DHA homeownership counseling staff. You complete the required counseling and DHA's eight-hour Homeownership Institute workshop, which all homeownership clients must attend at some point during counseling. Once you are mortgage-ready, DHA helps identify special financing programs and refers you to preferred lenders.

You can also compare other North Carolina down payment assistance programs or see which programs may fit you.

Questions about Durham Housing Authority Homeownership Counseling Pathway

What does the DHA Homeownership Pathway offer?

Free homeownership counseling, homebuyer education, mortgage-readiness support, lender referral and referral to special financing, including the separate City of Durham Down Payment Assistance Program.

Can repeat buyers use the DHA Homeownership Pathway?

Generally not. Applicants must not have been a homeowner within the past three years.

Does the DHA Homeownership Pathway give down payment assistance itself?

The record states no assistance amount and describes no DHA-funded down payment pool. DHA refers clients to special financing programs instead.

Is homebuyer education required for the DHA Homeownership Pathway?

Yes. DHA requires all homeownership clients to attend its eight-hour Homeownership Institute workshop at some point during counseling.

How much do I need to earn for the DHA Homeownership Pathway?

DHA lists earned annual income of at least $18,600 for applicants without an HCV voucher, plus at least one year of employment.

Is the DHA Homeownership Pathway available outside Durham?

DHA states that it serves the City of Durham, North Carolina.

Complete Durham Housing Authority Homeownership Counseling Pathway program record

The nineteen things a buyer needs to know, in the same order on every program page, each checked against the program’s official sources. Where the program does not state one, this says so.

  • 19 program details reviewed; 10 stated by the program
  • 2 official sources checked from Durham Housing Authority
  • Last verified October 2, 2026
  • Current funding status could not be confirmed
View all 19 verified program details ↓

  1. 1 of 19

    Program name

    Durham Housing Authority Homeownership Counseling Pathway

    From the official source

  2. 2 of 19

    Who runs it

    Durham Housing Authority

    919-683-1551

    From the official source

  3. 3 of 19

    Kind of help

    A assistance.

    Free homeownership counseling, homebuyer education, mortgage-readiness support, lender referral, and referral to special financing opportunities, including the separate City of Durham Down Payment Assistance Program.

    From the official source

  4. 4 of 19

    Maximum amount

    The program does not state this. Ask the administrator before relying on it.

  5. 5 of 19

    Amount tiers

    The program does not state this. Ask the administrator before relying on it.

  6. 6 of 19

    Forgiveness, interest and term

    The program does not state this. Ask the administrator before relying on it.

  7. 7 of 19

    Income limit

    The program does not state this. Ask the administrator before relying on it.

  8. 8 of 19

    First-time buyer rule

    Yes. You must be a first-time buyer.

    Applicants must not have been a homeowner within the past three years.

    From the official source

  9. 9 of 19

    Maximum home price

    The program does not state this. Ask the administrator before relying on it.

  10. 10 of 19

    Other must-know rules

    Program qualifications listed by DHA include at least one year of employment; earned annual income of at least $18,600 for applicants without an HCV voucher; completion of the initial lease term and good standing with the current landlord; completion of all required homeownership counseling; and a buyer contribution equal to the greater of $500 or 1% toward the purchase transaction.

    From the official source
    • “Must be employed for at least a year; Must have an earned annual income of at least $18,600 (without a HCV Voucher); Must not have been a homeowner within the past three years; Must have completed initial lease term and be in good standing with your current landlord; Must enroll and complete all required homeownership counseling; Must provide the greater of $500 or 1% towards the purchase transaction”

      https://www.durhamhousingauthority.org/homeownership · Program Qualifications

  11. 11 of 19

    Where it applies

    Durham city.

    Durham Housing Authority states that it serves the City of Durham, North Carolina.

    From the official source

  12. 12 of 19

    Current funding status

    Funding status could not be confirmed.

    DHA's homeownership page describes free counseling and referral services but does not describe a separate DHA-funded down payment assistance pool or state that funds are currently available.

    Checked 2026-10-02.

    From the official source

  13. 13 of 19

    How to apply

    Schedule an appointment with DHA homeownership counseling staff. Clients complete required counseling and the eight-hour Homeownership Institute workshop; once mortgage-ready, DHA helps identify special financing programs and refers clients to preferred lenders.

    From the official source

  14. 14 of 19

    Official source

    https://www.durhamhousingauthority.org/homeownership

  15. 15 of 19

    Dates

    The program does not state this. Ask the administrator before relying on it.

  16. 16 of 19

    Report a mistake

    Use the form on this page.

  17. 17 of 19

    Credit requirements

    The program does not state this. Ask the administrator before relying on it.

  18. 18 of 19

    Eligible loan types

    The program does not state this. Ask the administrator before relying on it.

  19. 19 of 19

    Homebuyer education

    Required.

    DHA requires all homeownership clients to attend its eight-hour Homeownership Institute workshop at some point during counseling.

    From the official source

Report a mistake

If a figure here does not match the program’s own terms, tell us. Every report is read by a person and checked against the official source before the record changes.

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Programs differ in how much they give, who they are for, where they apply and how they are repaid. These may be worth comparing.

Compare all North Carolina programs →

Official sources for Durham Housing Authority Homeownership Counseling Pathway

The facts on this page were taken from these sources. Read the program’s own terms there before you rely on a figure.

Visit the official source →

Program rules can change. Confirm current terms with Durham Housing Authority or a participating lender before you rely on a figure. Record version 1.

Educational information, not a loan offer or an eligibility decision. Read the disclaimer or how we verify programs.