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Major Home Improvement Program

Through the Major Home Improvement Program, NDHFA provides affordable mortgage loans to low-to moderate-income households to buy and rehabilitate a single-family home or to refinance and rehabilitate their present single-family home.

Am I Eligible?

If your intention is to be the first residents of the home following the completion of the qualified improvements, 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 $96,200 $110,630
Mercer $89,500 $102,925
Stark $91,500 $105,225
Ward $87,100 $100,165
Williams $98,900 $113,735
All Other Counties $83,900 $96,485
Limits effective as of May 1, 2018

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

Previously Occupied (Existing) 1 Unit 2 Units 3 Units 4 Units
Burleigh/Morton $284,823 $364,603 $440,746 $547,734
McKenzie $278,470 $365,501 $430,895 $535,534
Stark $283,764 $363,268 $439,089 $545,708
Williams $303,882 $389,002 $470,209 $584,378
All Other Counties $271,164 $347,179 $419,662 $521,516
Previously Unoccupied (New) 1 Unit      
Burleigh/Morton $284,823      
McKenzie $278,470      
Stark $283,764      
Williams $303,882      
All Other Counties $271,164      
Limits are effective May 1, 2018

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 Major Home Improvement loan at one of NDHFA’s Participating Lenders. These lenders originate Major Home Improvement loans and sell them to the agency

Additional Resources

Major Home Improvement Fact Sheet


Contact the Homeownership Division at (701) 328-8080 or (800) 292-8621.