The North Dakota Housing Finance Agency (NDHFA) is here to help North Dakotans achieve successful homeownership through homebuyer education, downpayment and closing cost assistance, and home mortgage loans. We are your partner in affordable housing.

Homebuyer Education

eHome America - online education program for first-time buyers. 

HomeSmart - a grant program to encourage first-time homebuyers to attend homebuyer education prior to home purchase.

Home Mortgage Loans

FirstHome Program - a home mortgage with below market interest rates available to low- to moderate-income homebuyers. 

HomeKey Program - offers very low-income borrowers an interest rate reduction on standard FirstHome loans.

HomeAccess Program - provides low-interest mortgage loans to disabled, elderly, veteran and single-parent households.

North Dakota Roots - a homeownership incentive program targeted to new and returning North Dakotans.

Targeted Area Loan Program - available on a first-come, first-served basis to any mortgagor purshasing a home in any of North Dakota's Targeted Areas.

Down Payment and Closing Cost Assistance

Start Program - provides low to moderate income homebuyers with assistance for downpayment, closing costs and prepaids.

Down Payment and Closing Cost Assistance Program - designed to assist low income borrowers with downpayment and closing cost requirements.

Second Mortgage Programs - non-NDHFA second mortgage programs.  Homeownership assistance programs that can be used in conjunction with NDHFA loans.

North Dakota Roots - a homeownership incentive program targeted to new and returning North Dakotans.

For more information, contact the Homeownership Division of the North Dakota Housing Finance Agency.

North Dakota Housing Finance Agency

2624 Vermont Avenue,  PO Box 1535,  Bismarck, ND 58502-1535

Bismarck Main Office -- (701) 328-8080 | ND Toll Free (800) 292-8621 | Fax (701) 328-8090 | TTY (800) 366-6888

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