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North Dakota Roots Program

Administered by:
North Dakota Housing Finance Agency
· State · Repayable Loan
Funding status: Active

How much assistance

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

Eligibility

  • Income limits: Up to 200% of area median income. Limits range roughly from $167,800 to $193,200 depending on county.
  • First-time buyer required: No
  • Credit score minimum: 640
  • Geographic restrictions: Property must be located in North Dakota.
  • Homebuyer education required: Yes

How to Apply for North Dakota Roots Program

Apply through an NDHFA participating lender. Borrowers choose between the below-market rate option or the market-rate loan with assistance toward down payment and closing costs.

Learn More About Homebuying in North Dakota

Cities Where This Program Is Available (9 cities across 1 state)

Available Statewide In