The North Dakota Housing Finance Agency (NDHFA) helps residents of North Dakota get access to affordable housing through several programs.

North Dakota housing provides you with several options for affordable mortgages. It also guarantees the availability of low-income rental housing and helps you keep up with your housing needs.  These include loans with reduced interest rates, downpayment assistance, and help with closing costs. The agency will help low-income families, veterans, elderly, and disabled persons get safe and accessible housing. 

The following are NDHFA programs that offer you homebuyer education, downpayment and closing cost assistance, and home mortgage loans:

•     Home Smart – encourages first-timers to undergo homebuyer education before purchasing a home
•     FirstHome Program – offers low- to moderate-income families below market interest rates
•     HomeKey Program – offers interest rate reduction for FirstHome loans
•     HomeAccess Program – gives low-interest mortgage loans to the elderly, disabled, veteran, and single-parent households
•     North Dakota Roots – an incentive program for new and returning residents
•     Start Program – offers downpayment and closing cost assistance to people with low income
•     Rural Real Estate Mortgage Program – makes the agency a secondary market for Rural Housing Service residential  real estate mortgages
•     Targeted Area Loan Program – available  to mortgagors buying a home in any of the state’s targeted areas
•     Second Mortgage Program – homeownership programs that can be used in combination with NDHFA loans
•     CommunityPartners Program – encourages the development of single-family housing and deals with issues concerning local communities
•     Habitat for Humanity Loan Purchase Program 
•     Homeownership Acquisition and Rehabilitation Program -  helps low-income families get affordable homeownership and rehabilitates existing North Dakota housing stock. 

Fill up the box above to qualify for more housing assistance programs