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NDHFA Down Payment & Closing Cost Assistance (DCA)

Administered by:

North Dakota Housing Finance Agency
· State · Zero-Interest Loan

Funding status: Active

How much assistance

Up to 3% of the loan amount or $3,000, whichever is greater

Repaid when the home is sold, refinanced, or no longer the primary residence.

Eligibility

  • Income limits:
    Income limits vary by county and household size. Targeted to low-income first-time buyers.
  • Purchase price limit: $294,600
  • First-time buyer required: Yes —
    Must not have owned a primary residence in the past 3 years.
  • Credit score minimum: 640
  • Geographic restrictions:
    Property must be located in North Dakota.
  • Homebuyer education required: Yes

How to Apply for NDHFA Down Payment & Closing Cost Assistance (DCA)

Step 1: Must be paired with an NDHFA FirstHome first mortgage. Apply through a participating lender, complete homebuyer education, and contribute at least $500 from your own funds.

Notes

Same purchase price limits as the FirstHome program.

Available Statewide In