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Start Program

Through the Start Program, NDHFA provides low- to moderate-income buyers with affordable mortgage loans that include down payment and closing cost assistance.

Am I Eligible?

Start's down payment and closing cost assistance is only available to borrowers receiving their first mortgage from NDHFA; a FirstHome, HomeAccess, North Dakota Roots, Major Home Improvement  or Targeted Area loan.

Start cannot be used in conjunction with other down payment assistance programs.

Start can only be used on one to two-unit properties (one unit must be occupied by borrower).

How Do I Apply?

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

Additional Resources

Homeownership Brochure


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