First-Time Homebuyer Programs in North Dakota

North Dakota offers some of the most generous first-time homebuyer programs in the Upper Midwest through the North Dakota Housing Finance Agency (NDHFA). Eligible buyers can pair the FirstHome below-market mortgage with up to $3,000 in DCA down payment assistance or take advantage of the Start Program, which provides 3% of the loan amount as a closing-cost credit. The HomeAccess program adds tailored options for veterans, single parents, and households with disabled or elderly members, while the North Dakota Roots program serves higher-income buyers and new or returning residents with no first-time buyer requirement. Most programs require homebuyer education and a minimum $500 buyer contribution.