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.
Resilient Homebuyer - an incentive for qualified low- to moderate-income buyers impacted by the 2011 Souris River Flood to purchase a home in Minot.
Second Mortgage - assistance programs that may be used in conjunction with NDHFA loans.
Construction Loan Guarantees
- loan guarantees for lenders who finance affordable single-family
housing construction in rural communities.
Housing Incentive Fund - supports the development of new multi-family housing in the state. It is a special revolving fund capitalized by contributions from North Dakota tax payers.
Low Income Housing Tax Credit - program provides incentives for the production and rehabilitation of rental housing.
Rural Housing Development Loan Program - short-term financing for predevelopment soft costs, land acquisition, site development and construction financing.