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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This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.
Start is the broader 3 percent statewide assistance path, but the public page does not print one clean statewide income table on the Start section itself.
Decision-ready public facts
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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 Start section describes the assistance as a credit toward the buyer's out-of-pocket cash requirement and does not publish a separate repayable second lien or monthly payment on the public page.
Varies
Program guide
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Low- to moderate-income North Dakota homebuyers, Borrowers buying a one- or two-unit property, with one unit occupied by the borrower, Borrowers using an eligible ND Housing mortgage with a participating lender
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 Start section describes the assistance as a credit toward the buyer's out-of-pocket cash requirement and does not publish a separate repayable second lien or monthly payment on the public page.
Work with an ND Housing participating lender, verify that Start is the right assistance path for the household, 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 Start provides low- to moderate-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 page also says Start cannot be used with any other down-payment-assistance program and can only be used on one- to two-unit properties with one unit occupied by the borrower.
2026-04-19
Effective date not captured.
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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 Start section describes the assistance as a credit toward the buyer's out-of-pocket cash requirement and does not publish a separate repayable second lien or monthly payment on the public page.
First-time buyer: Varies
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Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for North Dakota.
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2 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
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1 tracked
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