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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.

State housing agency:North Dakota Housing Finance Agency (NDHFA)https://www.ndhfa.org

Statewide Programs in North Dakota

  • NDHFA Down Payment & Closing Cost Assistance (DCA)

    Zero-Interest Loan · Up to 3% of the loan amount or $3,000, whichever is greater

  • NDHFA FirstHome Program

    Repayable Loan · Below-market 30-year fixed first mortgage: 6.200% (1.5% origination fee) or 6.450% (no fee) on FHA/VA/RD, 0.25% higher conventional, as of Oct 15, 2026; optional 3% DCA or Start credit

  • NDHFA HomeAccess Program

    Repayable Loan · Below-market 30-year fixed first mortgage at the FirstHome rate (6.200% government / 6.450% conventional as of Oct 14, 2026); optional 3% DCA or Start credit

  • NDHFA Start Program

    Grant · 3% of the first mortgage loan amount as a credit at closing

  • NDHFA Targeted Area Loan

    Repayable Loan · Below-market interest rate first mortgage

  • North Dakota Primary Residence Credit

    Tax Credit · Up to $1,600 per household in property tax relief for tax years 2025 and 2026 (increased from $500 in 2024)

  • North Dakota Roots Program

    Repayable Loan · Below-market interest rate loan, OR market-rate loan with down payment and closing cost assistance

Federal programs available in North Dakota: FHA Loans, Good Neighbor Next Door (HUD), Home Possible Mortgage (Freddie Mac), HomeReady Mortgage (Fannie Mae), HUD $100 Down Program, USDA Rural Development Loans, VA Loans.

Cities in North Dakota

Bismarck

Burleigh County

Pop. 75,556Median $340,000

Dickinson

Stark County

Pop. 25,357Median $300,000

Fargo

Cass County

Pop. 129,064Median $295,000

Grand Forks

Grand Forks County

Pop. 59,042Median $290,000

Jamestown

Stutsman County

Pop. 15,787Median $225,000

Mandan

Morton County

Pop. 24,522Median $320,000

Minot

Ward County

Pop. 47,791Median $290,000

West Fargo

Cass County

Pop. 40,094Median $315,000

Williston

Williams County

Pop. 28,056Median $335,000