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?
Single parents with at least one dependent child residing in the home 50 percent of the time, Borrowers or spouses who served in active military service and were discharged or released under conditions other than dishonorable, Households where the mortgagor, spouse, or a dependent is permanently disabled or age 65 or older and resides in the home, Borrowers meeting current ND Housing income and purchase-price limits
What support do you get?
Statewide special-eligibility mortgage path with optional DCA or Start down-payment and closing-cost assistance.
Do you repay it?
The cited consumer page describes HomeAccess as the statewide first-mortgage path for special-eligibility households 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 that the household qualifies for HomeAccess, and decide with the lender whether to pair the mortgage with DCA or Start assistance.
Application timing
Participating lenders reserve the loan online; the loan must receive compliance approval and close within 60 days for existing homes or 300 days for new construction, with up to a 30-day extension, and the complete origination package is due within 15 days after closing.
Official source evidence
The official ND Housing Homeownership page says HomeAccess can be used when the household is a qualifying single-parent household, includes an eligible veteran, or includes a permanent disability or age-65-plus household member living in the home. The page also 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 HomeAccess 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 HomeAccess program
Amount: Statewide special-eligibility mortgage path with optional DCA or Start down-payment and closing-cost assistance.
Repayment: The cited consumer page describes HomeAccess as the statewide first-mortgage path for special-eligibility households 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: Unknown
Timing: Participating lenders reserve the loan online; the loan must receive compliance approval and close within 60 days for existing homes or 300 days for new construction, with up to a 30-day extension, and the complete origination package is due within 15 days after closing.
Risk checks preview
What gets flagged before you call a lender
- ND Housing HomeAccess program requires a participating lender.
- ND Housing HomeAccess program must be paired with a specific first mortgage.
Lender questions preview
Questions tied to this exact path
- Is your team approved to originate ND Housing HomeAccess program for this household and loan setup?
- Which first-mortgage product must be paired with ND Housing HomeAccess program, and what breaks eligibility?
Action checklist preview
What you would do next
- Review the official Homeownership page for ND Housing HomeAccess program
- Ask whether your lender is approved for this exact program and loan structure.
