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Start Program

North Dakota

Available Assistance

The Start Program works in conjunction with NDHFA’s first mortgages (a FirstHome, HomeAccess, North Dakota Roots, Major Home Improvement, or Targeted Area loan). Eligible applicants can receive up to 3 percent of the total purchase price, which comes in the form of a credit to borrowers at the time of closing. The program cannot be used in conjunction with other down payment assistance programs. Start assisted first mortgages have a slightly higher interest rate than FirstHome mortgages, but both, 30- and 40-year loan terms are available with the Start program.

Eligibility Requirements

In order to be eligible for the Start Program, applicants must meet all the requirements for their NDHFA first mortgage. It is only available to those whose annual household income does not exceed the program’s set limits, based on the family size and location of the home being purchased. All applicants are required to meet normal credit underwriting standards and must be able to contribute at least $500 toward the transaction from their own cash assets.

Property Guidelines

This home must also fall within the programs’ maximum purchase price limit, and serve as the applicant’s primary residence.

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