Grant Directory

Verified government funding opportunities

Downpayment Assistance – City of Fargo

Open

City of Fargo – Planning & Development / ND Housing Finance AgencyNDFirst-Time Homeowner

Deadline: Scope: Citystate

Updated: Dec 1, 2025

Summary

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.

Eligible Locations

City of Fargo, North Dakota

Eligibility

First-time homebuyers purchasing within Fargo city limits who qualify for an NDHFA first mortgage and meet DCA income and property guidelines (low-income, 1–2 unit owner-occupied housing, completion of homebuyer education); buyers work with local lenders or NDHFA’s Homeownership Division to access assistance.

Full Description

The City of Fargo highlights that its down payment and closing cost help is delivered through the North Dakota Housing Finance Agency’s DCA Program rather than a separate municipal fund. The page explains that first-time homebuyers in Fargo are eligible to receive down payment and closing cost assistance from NDHFA and briefly describes DCA as a program that provides low-income buyers with affordable mortgage loans that include built-in assistance for upfront costs. Residents are directed to contact local lenders or NDHFA’s Homeownership Division via a toll-free number or the ndhfa.org website for more information, implying that Fargo buyers follow the standard NDHFA pipeline: determine eligibility with a participating lender, select an NDHFA first mortgage product, and add DCA assistance if they meet income, property and education requirements. By promoting DCA on the city site, Fargo ensures that first-time buyers are aware that a 3% credit toward down payment, closing costs, and prepaid items may be available without establishing its own separate, potentially duplicative local program.

Verification & Details

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

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Open

North Dakota Housing Finance AgencyNDFirst-Time Homeowner

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