These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders with access, fill out this form here and I will connect you with one.

North Dakota 

Hey there! If you're thinking of buying a home for the first time, and haven't saved up for a down payment, you still might be able to get it done.

Before I jump into the programs, let me briefly explain how down payment assistance works.

How it works

Down payment assistance comes in two forms: a grant, or a loan

A grant doesn't require repayment.

A loan does require repayment, but there are 3 different ways:

Monthly repayment. This is where they charge you interest and a monthly payment until the loan is paid off

Silent second. This is where they don't charge you interest, they don't charge you monthly payments, they just require that you pay it back when you sell the home.

Forgivable. This is where they forgive the loan as long as you meet certain criteria. A common requirement is that you live in the home as your primary residence for a set number of years. Once you've completed the timeframe, they forgive your loan and you don't need to pay it.

Approved lenders only

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders with access, fill out this form here and I will connect you with one.

Now that we have that out of the way, let's jump in! Below are the local programs available to help make homeownership more accessible.

North Dakota Housing Finance Agency (NDHFA) Down Payment and Closing Cost Assistance (DCA) Program

• Assistance: Provides up to 3% of the loan amount for down payment and closing costs.
• Terms: 0% interest loan, repaid over 10 years.
• Eligibility: First-time homebuyers and repeat buyers who use an NDHFA mortgage; income limits vary by county and household size.
• More Information: https://www.ndhfa.org/index.php/homeownership-programs/dca-income-limits/

FirstHome Program (NDHFA)

• Assistance: Provides affordable mortgage loans to first-time homebuyers.
• Eligibility: Must not have owned a home as a principal residence within the last three years; income and purchase price limits apply, varying by county and family size.
• More Information: https://www.ndhfa.org/index.php/homeownership-programs/income-and-purchase-price-limits-firsthome/

HomeAccess Program (NDHFA)

• Assistance: Offers mortgage loans to special needs households, including single parents, veterans, and individuals with disabilities.
• Eligibility: Specific criteria apply based on household composition and needs; income and purchase price limits vary by county and family size.
• More Information: https://www.ndhfa.org/index.php/homeownership-programs/income-and-purchase-price-limits-firsthome/

City of Fargo – Down Payment Assistance Program

• Assistance: First-time homebuyers in Fargo are eligible to receive Down Payment and Closing Cost Assistance (DCA) through the NDHFA.
• More Information: Fargo Down Payment Assistance

City of Minot – Resilient Homebuyer Program

• Assistance: Qualified buyers may be eligible for up to $60,000 to help purchase a home.
• Eligibility: Available to eligible low- and moderate-income individuals.
• More Information: Call 701-837-5813

Program availability and terms can change, so it's essential to verify the most current information directly with the administering agencies.

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders with access, fill out this form here and I will connect you with one.