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FirstHome Program

Through the FirstHome program, NDHFA provides affordable mortgage loans to low-to moderate-income buyers.

Am I Eligible?

If you are a first-time homebuyer, a household that has not owned a home (including a manufactured home on a permanent foundation) in the last three years, you may be eligible.

1) You must meet income limits, which vary based on county and family size. Include projected income from all sources for the 12 months following the date of application.

County Family of less than 3 Family of 3 or more
Burleigh/Morton $96,600 $111,090
McKenzie $96,800 $111,320
Mercer $92,200 $106,030
Stark $100,600 $115,690
Ward $87,100 $100,165
Williams $98,900 $113,735
All Other Counties $84,500 $97,175
Limits effective as of June 1, 2019

2) The purchase price of the property must be within program limits.

Previously Occupied (Existing) 1 Unit 2 Units 3 Units* 4 Units*
Williams $297,050 $380,256 $459,638 $571,239
All Other Counties $283,348 $362,818 $438,532 $544,981
Previously Unoccupied (New) 1 Unit      
Williams $297,050      
All Other Counties $283,348      
Limits are effective May 1, 2019
*Not eligible under DCA or Start.

3) You are expected to meet normal credit underwriting standards and must intend to occupy the property as your principal residence. You are also required to make a minimum of a $500 out-of-pocket cash investment.

How do I Apply?

You can apply for a FirstHome Program loan at one of NDHFA’s Participating Lenders. These lenders originate FirstHome loans and sell them to the agency.

Additional Resources

Homeownership Brochure


Contact NDHFA’s Homeownership Division at (701) 328-8080 or (800) 292-8621.