Mortgage lender in Durham County, NC

Buying in Durham County

Durham County, with its county seat in Durham, also includes part of Research Triangle Park and the communities of Bahama and Rougemont. Durham County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in North Carolina, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$634,800 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

North Carolina Housing Finance Agency (NCHFA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Durham County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Durham County: Durham and Research Triangle Park

Durham’s older neighborhoods near downtown and the university have seen a great deal of renovation, and recently renovated resales can trigger extra FHA appraisal requirements. Downtown also has condominiums in converted tobacco and mill buildings, which need the building reviewed along with the buyer.

South Durham, toward Research Triangle Park and the Chatham County line, is newer subdivisions and townhome communities with association dues. Many buyers work in research, medicine or at the university, and physicians in training sometimes have employment contracts rather than pay history; tell us and we will explain what can be used. The northern county is rural, with wells and septic systems.

Durham County by the numbers

Median home value

$389,400 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.79% of home value a year: median tax bill $3,092 on a median value of $389,400 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Excise tax of $1 per $500 of the price, paid by the seller (N.C.G.S. § 105-228.30)

Largest communities

Durham, Chapel Hill, Raleigh, Gorman (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $389,400. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $634,800.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in North Carolina

Closings in North Carolina are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the North Carolina page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Durham County buyers ask

North Carolina notice. Stellar Mortgage Corporation, NMLS #2190975. Verify at NMLS Consumer Access.

Limits shown are the 2026 FHFA and HUD figures for Durham County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.