North Dakota First-Time Home Buyer Programs 2026
$5,000 DPA available through North Dakota Housing Finance Agency (NDHFA). NDHFA HomeAccess program offers a below-market rate + up to $5K in DPA.
Max Assistance
$5,000 DPA
Type
0% deferred loan
Min Credit
620+
Max Home Price
$385,000
Ready to apply for North Dakota assistance?
Get pre-approved in minutes — your lender will connect you with NDHFA programs automatically.
North Dakota First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| NDHFA HomeAccess Best statewide program | $5,000 | 0% deferred loan | 620+ | $77K–$100K |
Eligibility Requirements
- ✓620+ credit score
- ✓Income within limits
- ✓Homebuyer education required
- ✓Primary residence in ND
Pro Tip
Available statewide: Fargo, Bismarck, Grand Forks, Minot, West Fargo.
How to Apply for North Dakota Programs
Get Pre-Approved
Work with a NDHFA-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
North Dakota Housing Finance Agency
NDHFA — North Dakota official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in North Dakota?
The best program in North Dakota is the NDHFA HomeAccess, which offers $5,000 as a 0% deferred loan. Minimum credit score: 620. Income limit: $77K–$100K.
How much down payment assistance is available in North Dakota?
North Dakota offers up to $5,000 DPA through North Dakota Housing Finance Agency (NDHFA). The assistance is structured as a 0% deferred loan. Income limits are $77,000–$100,000 depending on household size and county.
What credit score do I need for North Dakota first-time buyer programs?
Most North Dakota programs through NDHFA require a minimum credit score of 620. Some programs may accept lower scores with compensating factors. Check with an NDHFA-approved lender for your exact score requirements.
What is the income limit for North Dakota first-time buyer programs in 2026?
In 2026, North Dakota income limits are $77,000–$100,000 depending on household size and county. The home price limit is $385,000. These limits are set by North Dakota Housing Finance Agency.
Don't Leave $5,000 DPA on the Table
Pre-approval is free. Your lender will apply for NDHFA programs automatically — no extra work for you.
Start My Free Pre-Approval →