North Dakota program
North Dakota route through North Dakota Housing Finance Agency. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.
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DCA is a clean statewide 3 percent cash-help path, but ND Housing says it cannot be used together with any other down-payment-assistance program.
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Three percent of the first mortgage loan amount as a credit toward the buyer's out-of-pocket cash requirement for down payment, closing costs, and prepaid items.
Closing-cost credit
The cited consumer materials describe DCA as a credit toward the buyer's out-of-pocket cash requirement and do not publish a separate repayable second lien or monthly payment on the public page.
Varies
Program guide
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Low-income North Dakota homebuyers, Borrowers meeting current DCA income limits by county and family size, Borrowers buying a one- or two-unit property, with one unit occupied by the borrower, Homebuyers who complete a homebuyer education course and receive a certificate before closing
Three percent of the first mortgage loan amount as a credit toward the buyer's out-of-pocket cash requirement for down payment, closing costs, and prepaid items.
The cited consumer materials describe DCA as a credit toward the buyer's out-of-pocket cash requirement and do not publish a separate repayable second lien or monthly payment on the public page.
Work with an ND Housing participating lender, verify current DCA income limits, complete homebuyer education before closing, and pair the 3 percent credit with an eligible ND Housing mortgage without stacking another down-payment-assistance program.
The official ND Housing Homeownership page says DCA provides low-income buyers with down-payment and closing-cost assistance equal to 3 percent of the first mortgage loan amount in the form of a credit toward out-of-pocket cash requirements. The same section says it can be used for down payment, closing costs, and prepaid items, cannot be used with any other down-payment-assistance program, and requires homebuyer education. The DCA page publishes current county-based income limits effective June 1, 2025.
2026-04-19
income limits effective 2025-06-01
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Comparison preview
Amount: Three percent of the first mortgage loan amount as a credit toward the buyer's out-of-pocket cash requirement for down payment, closing costs, and prepaid items.
Repayment: The cited consumer materials describe DCA as a credit toward the buyer's out-of-pocket cash requirement and do not publish a separate repayable second lien or monthly payment on the public page.
First-time buyer: Varies
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