North Dakota statewide grants & funding programs

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.

Eligible for: First-time homebuyers who have not owned a home as their principal residence in the past three years (including manufactured homes on perman…

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 for: First-time homebuyers purchasing within Fargo city limits who qualify for an NDHFA first mortgage and meet DCA income and property guideline…

The Essential Public Employee Program (EP2) provides up to $10,000 in affordable down payment and closing cost assistance loans for North Dakota’s public employees—such as teachers, first responders, and government staff—to help them buy homes in the communities they serve.

Eligible for: Essential public employees in North Dakota employed by a city or county government, school district, medical or long-term care facility, the…

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.

Eligible for: North Dakota homebuyers who invest at least $500 of their own funds, will occupy the property as their principal residence, and meet program…

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 for: 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 pr…