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NDHFA FirstHome Program

Administered by:

North Dakota Housing Finance Agency
· State · Repayable Loan

Funding status: Active

How much assistance

Below-market interest rate first mortgage

Eligibility

  • Income limits:
    Income limits vary by county and household size. In Cass County, 1-2 person households up to $105,500.
  • 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 FirstHome Program

Step 1: Apply through an NDHFA participating lender. The lender originates the loan and NDHFA purchases it after closing. Buyer must complete a homebuyer education course before loan closing and contribute at least $500 from their own funds.

Notes

Available on Conventional, FHA, VA, and USDA loans. Single-family limit shown; multi-unit limits up to $566,628 for a four-unit property.

Available Statewide In