1-0 Buydown for Durham NC Buyers (Free Through June 30, 2026)

1-0 Buydown for Durham NC Buyers

Buying in Durham, Trinity Park, Forest Hills, Hope Valley, or anywhere in Durham County before June 30? Lock in a full 1 percentage point lower mortgage rate for year one — lender-funded, no cost to you or the seller.

Real Numbers on a Durham Purchase

At a Durham median of $440,000 with 10% down, your loan amount is around $396,000.

• Normal year-one payment at 6.5%: roughly $2,502/month
• With the 1-0 buydown at 5.5%: roughly $2,249/month
• Year-one savings: ~$253 per month, or $3,035 across the first 12 months

Why It Matters for Duke and RTP Buyers

Durham's buyer pool includes a steady stream of Duke faculty, Duke Health staff, and Research Triangle Park researchers relocating from higher-cost markets like Boston, Bay Area, and DC. The first-year cushion is real, and the buydown stacks with NC Housing DPA for income-eligible first-time buyers.

Deadline: June 30, 2026

Loans need to be locked by June 30. Read full mechanics in our main 1-0 Buydown blog post. See the Durham NC Mortgages hub.

Call or text Samantha Payne at (864) 387-8964, email Samantha@openkeymortgage.com. OpenKey Mortgage Advisors LLC. NMLS Company ID 2812158. Licensed in SC and NC. Equal Housing Opportunity.