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North Dakota program

ND Housing FirstHome 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.

Statewide mortgage with optional DCA or Start help Check official rules 2026-04-19
Agency North Dakota Housing Finance Agency
Support type Statewide mortgage with optional DCA or Start help
Amount highlight Statewide first-time-homebuyer mortgage backbone with optional DCA or Start down-payment and closing-cost assistance.
Last verified 2026-04-19

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Choose the paired assistance path separately

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

FirstHome is the statewide first-mortgage backbone. Buyers still need to confirm with the lender whether the file also uses DCA, Start, or no extra assistance.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to North Dakota program hub if you need the wider state context.

Amount

Statewide first-time-homebuyer mortgage backbone with optional DCA or Start down-payment and closing-cost assistance.

Type

Statewide mortgage with optional DCA or Start help

Repayment

The cited consumer page describes FirstHome as the statewide first-mortgage entry point rather than one standalone cash-assistance balance. Repayment follows the underlying mortgage selected with the participating lender, while any paired DCA or Start assistance uses its own program rules.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

North Dakota buyers who have not owned a home as their principal residence within the last three years, Borrowers meeting current ND Housing income and purchase-price limits, Borrowers using an ND Housing participating lender, Homebuyers willing to complete a homebuyer education class

What support do you get?

Statewide first-time-homebuyer mortgage backbone with optional DCA or Start down-payment and closing-cost assistance.

Do you repay it?

The cited consumer page describes FirstHome as the statewide first-mortgage entry point rather than one standalone cash-assistance balance. Repayment follows the underlying mortgage selected with the participating lender, while any paired DCA or Start assistance uses its own program rules.

How do you apply?

Contact an ND Housing participating lender, complete a homebuyer education class, confirm current income and purchase-price limits, and decide with the lender whether to pair FirstHome with DCA or Start assistance.

Official source evidence

The official ND Housing Homeownership page says FirstHome borrowers must not have owned a home as their principal residence within the last three years and must meet income and purchase-price limits. The same page says buyers looking for down-payment and closing-cost assistance can use DCA or Start.

View official source

Last verified

2026-04-19

Effective date not captured.

Paid preview

What paid access adds for ND Housing FirstHome program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

ND Housing FirstHome program

Amount: Statewide first-time-homebuyer mortgage backbone with optional DCA or Start down-payment and closing-cost assistance.

Repayment: The cited consumer page describes FirstHome as the statewide first-mortgage entry point rather than one standalone cash-assistance balance. Repayment follows the underlying mortgage selected with the participating lender, while any paired DCA or Start assistance uses its own program rules.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • ND Housing FirstHome program requires a participating lender.
  • ND Housing FirstHome program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Does ND Housing FirstHome program require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with ND Housing FirstHome program, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply.
  • Confirm whether ND Housing FirstHome program requires a participating lender.
Open the full North Dakota board

Paid research preview

What paid research already covers in North Dakota

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for North Dakota.

4 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

1 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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