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