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NDHFA Downpayment and Closing Cost Assistance Program

North Dakota

Available Assistance

The DCA Program provides income-eligible applicants up to 3 percent of the total purchase price, or $3,000 in assistance funds, whichever is greater. These funds come in the form of a zero-interest, deferred payment loan. DCA cannot be used in conjunction with other down payment assistance programs.

Eligibility Requirements

All DCA Program applicants must meet certain requirements to be considered eligible for assistance. Only first-time homebuyers can qualify for the program; those who have owned a home in the last three years are not eligible. They must secure their first mortgage from NDHFA, and contribute at least $500 from their own cash assets. Borrowers must meet the program's income, which vary based on county and family size, and they should meet the normal credit underwriting standards.

Property Guidelines

Any property being purchased must serve as the borrower’s primary residence, and fall within the program’s purchase price limits. Homes located within a 100-year floodplain are not eligible.

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