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First Time Homebuyer Programs

First Time Homebuyer Programs in North Dakota

Discover North Dakota's first-time homebuyer programs offering down payment assistance and affordable mortgage options to help you achieve your dream of homeownership.

First Time Homebuyer Programs in North Dakota

North Dakota offers a range of first-time homebuyer programs through the North Dakota Housing Finance Agency (NDHFA). These initiatives provide financial assistance, affordable loans, and resources to make homeownership more attainable.

FirstHome Program

The FirstHome Program provides affordable fixed-rate mortgages for first-time buyers.

  • Offers 30-year fixed-rate loans with competitive interest rates.
  • Income and purchase price limits apply based on location and household size.
  • Must complete a homebuyer education course to qualify.

Start Program

The Start Program offers down payment and closing cost assistance for eligible buyers.

  • Provides up to 3% of the loan amount for down payment and closing costs.
  • Structured as a forgivable loan after five years of homeownership.
  • Must be used in conjunction with the FirstHome Program.

HomeAccess Program

The HomeAccess Program is tailored for low- to moderate-income buyers with special needs.

  • Offers flexible underwriting and eligibility requirements.
  • Includes down payment and closing cost assistance.
  • Designed to address unique financial and housing challenges.

North Dakota’s first-time homebuyer programs are designed to make homeownership more accessible and affordable. Explore these options to find the right fit for your needs and take the first step toward owning your dream home in the Peace Garden State.

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