Generally, to be eligible for homeownership, residents must have a total household income at 80% or less of the area median income (AMI) for homeownership in Durham county. See AMI eligibility for single person to family of eight here.


  • Buyers must qualify for a home mortgage through one of our lending partners,

BB&T or Bank of NC, a division of Pentacle Bank.


  • Buyers are asked to complete a land trust orientation and homebuyer education workshops

led by Reinvestment Partners or ? ______-.


ADD: Table of benefits for why someone should buy a DCLT home


Durham’s affordable housing community has developed a savings program to encourage low-to-moderate income homeowners to prepare for the large capital repairs in their aging homes.  As houses age, major capital repairs are inevitable.  Some homeowners can face foreclosure due to lack of financial preparedness.  DCLT has designed a Maintenance Individual Development Account (MIDA) program in order to promote successful homeownership by providing a structured program for savings.  Contact DCLT for more information about this program

INSERT Photo of LaWanda Anderson, 7-year MIDA participant who lives at 1207 Jackson St.