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Homeownership Programs

Mortgage Loans

FirstHome - low- to moderate-income first-time buyers.

HomeAccess - low- to moderate-income buyers who are or who have single-parent, veteran, disabled or elderly household members.

North Dakota Roots - moderate-income buyers who may have previously owned a home.

Major Home Improvement - buy and rehabilitate a single-family home or refinance and rehab your present home.

Targeted Area Loans - available to buyers who will live in targeted areas.

Down Payment and Closing Cost Assistance

Start - assists low-to moderate-income buyers with down payment and closing cost requirements.

DCA - assists low-income borrowers with down payment and closing cost requirements.

Second Mortgage - assistance programs that may be used in conjunction with NDHFA loans.