Grant Directory

Verified government funding opportunities

Down Payment and Closing Cost Assistance (DCA) – NDHFA

Open

North Dakota Housing Finance AgencyNDFirst-Time Homeowner

Deadline: Scope: Statewidestate

Updated: Dec 1, 2025

Summary

NDHFA’s DCA Program layers a 3% credit on top of qualifying first mortgages to help low-income North Dakota buyers cover down payment, closing costs, and prepaid items without relying on multiple overlapping assistance programs.

Eligible Locations

North Dakota; ND Housing (North Dakota Housing Finance Agency) offers statewide homeownership and housing programs.

Eligibility

Low-income buyers using an NDHFA first mortgage who meet DCA income limits (varying by county and family size), are purchasing a 1–2 unit property of which at least one unit will be owner-occupied, complete a homebuyer education course before closing, and agree not to combine DCA with any other down payment assistance program.

Full Description

The DCA program is a targeted down payment and closing cost assistance option embedded within NDHFA’s broader homeownership portfolio. For eligible buyers, NDHFA adds a credit equal to 3% of the first mortgage loan amount at closing—effectively a one-time subsidy that can be applied to required down payment, standard closing costs, and prepaid expenses like escrowed taxes or insurance. Because DCA is reserved for low-income households, applicants must fall under income caps that depend on county and family size, and the property must be a 1–2 unit home where the borrower occupies at least one unit as a primary residence. NDHFA requires that DCA recipients complete a recognized homebuyer education class before closing to improve long-term success and minimize delinquency risk. Program rules specify that DCA cannot be stacked with other down payment assistance offerings, ensuring that borrowers do not over-leverage, and that funds are spread across more households. By using DCA alongside FirstHome, HomeAccess or similar NDHFA first-lien products, qualifying buyers can dramatically reduce their upfront cash requirement and convert what would have been out-of-pocket expenses into an embedded credit at closing.

Verification & Details

Source: ndhousing.nd.gov
Official source → ndhousing.nd.gov
Apply on official siteUpdated Dec 1, 2025

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FirstHome Program – ND Housing Finance Agency

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North Dakota Housing Finance AgencyNDFirst-Time Homeowner

Updated: Nov 29, 2025

NDHFA’s FirstHome Program offers low-interest, fixed-rate mortgages specifically for first-time buyers and allows them to add DCA or Start assistance, which provides a 3% credit toward down payment, closing costs, and prepaid items.

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Deadline: Rolling; subject to income, purchase price limits, and funding
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Downpayment Assistance – City of Fargo

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Fargo’s Downpayment Assistance page connects first-time buyers in the city directly to NDHFA’s DCA Program, which embeds a 3% down payment and closing-cost credit into an NDHFA first mortgage for low-income households.

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Open

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Homeownership – ND Housing Finance Agency

Open

North Dakota Housing Finance AgencyNDFirst-Time Homeowner

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NDHFA’s Homeownership hub outlines multiple fixed-rate loan programs plus DCA and Start down payment assistance, giving first-time and move-up buyers flexible options to combine low-interest mortgages with 3% credits toward down payment and closing costs.

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Deadline: Rolling; subject to lender approval and program fundingStatewide
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