Help to buy in North Dakota
Home-buying assistance programs in North Dakota
2 official programs for down payment and closing cost help in North Dakota, from North Dakota Housing Finance Agency. We show what each program says on its own page, with the date we checked it.
Key numbers in North Dakota
- Verified programs
- 2
- from North Dakota Housing Finance Agency
- First-time buyers only
- 1
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 2
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
-
Grant
Grant you never repay
The full list
Programs in North Dakota
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
-
- Grant
With the North Dakota state agency's FirstHome mortgage, the buyer gets 3% of the loan as a credit toward the cash due at closing (down payment, closing costs and prepaid expenses); it cannot be combined with other assistance
What it gives, per the source
Amount of assistance equals three percent of the first mortgage loan amount … in the form of a credit towards your out-of-pocket cash requirement. … This can be used for downpayment, closing costs and prepaid items. … Start cannot be used in conjunction with any other down payment assistance programs.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by North Dakota Housing Finance Agency (NDHFA)
Verified November 5, 2026
-
- Grant
North Dakota state agency help for low-income buyers with an agency mortgage: 3% of the loan as a credit toward the cash you need at closing (down payment, closing costs and prepaid expenses); it cannot be combined with other assistance
What it gives, per the source
Through the DCA program, NDHFA provides low-income buyers with affordable mortgage loans that include down payment and closing cost assistance. Amount of assistance equals three percent of the first mortgage loan amount in the form of a credit towards your out-of-pocket cash requirement. This can be used for downpayment, closing costs and prepaid items. DCA cannot be used in conjunction with any other down payment assistance programs.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by North Dakota Housing Finance Agency (NDHFA)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in North Dakota
One program we checked in North Dakota to repair your home or make it more efficient, with what its page says.
-
Low-Income Weatherization Assistance Program
Run by North Dakota Department of Commerce
North Dakota weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Do I need to be a first-time buyer in North Dakota?
Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.