First Time Home Buyer Grants in North Dakota



North Dakota First Time Home Buyer Grants

Are you thinking of buying your first residence in North Dakota? Would you like a free gift of money to help you purchase that first property? If you answered yes to these two questions, there is great news for you. The state of North Dakota provides free grant money for its residents who are first time home buyers and need help with the down payment and closing costs. This money comes in the form of state grants. This is free money that shouldn’t be passed up! The grant awards can be in the thousands of dollars. It will be well worth your time to educate yourself about the grant programs that the State of North Dakota provides.


North Dakota Housing First Time Home Buyer Grants

The agency in North Dakota that provides assistance to the home buyers is The North Dakota Housing Finance Agency. There is one such grant available, depending upon your income: the Start Program. You can get a grant of up to 3% of the mortgage amount on their first home, up to $3,000.00. To find out the details of this grant, please visit the North Dakota Housing Finance Agency website page specifically describing all the grant programs. You can get there by going to this website.

Downpayment and Closing Cost Assistance Program

Zero interest, deferred payment loans available through the North Dakota Housing Finance Agency’s (NDHFA) Downpayment and Closing Cost Assistance Program (DCA) aim to help lower income first-time homebuyers meet their out-of-pocket cash requirements.  The homebuyer may be eligible to receive the greater of three percent of the purchase price of the home or $3,000.

Here is the contact information for the North Dakota Housing Finance Agency:

North Dakota Housing Finance Agency
2624 Vermont Avenue
PO Box 1535
Bismarck, ND 58502-1535
Phone: (701) 328-8080
ND Toll Free: (800) 292-8621
Fax: (701) 328-8090
TTY: (800) 366-6888


Federal First Time Home Buyer Grants

Besides the state programs, there are federal funds and grants available to first time home buyers in North Dakota through the Homes and Communities program of the United States Department of Housing and Urban Development. On their website you’ll find complete grant information, application forms that can be printed out, description of available funds, as well as many other helpful tools.

Every potential buyer should investigate what they have to offer. You can visit the website by going here: US Dept. of Housing and Urban Development. Also,  there is a website that has a complete list of all grant programs available through the United States Federal Government: Grants.gov. You should plan to spend the required time investigating to determine how many individual grants you may qualify for. You can visit the website by going to Grants.gov and searching for more information.

Other Grants in North Dakota

In addition to the grant programs described above, the U.S. Department of Housing and Urban Development provides home buyer assistance and grants in every state. There are multiple grant programs designed specifically for people that meet certain requirements, such as grants for people with disabilities so they can continue to live independently at home. It is worth visiting HUD’s website to see what assistance is currently available. For your convenience, simply go to this website.

Here is the contact information for the HUD office in North Dakota:

Fargo Field Office
657 Second Avenue North
Room 366
Fargo, ND 58108-2483
Phone: (701) 239-5136
Fax: (701) 239-5249


There are also these local programs:

Fargo First Time Home Buyer Grants Program (HAP) (701) 297-7783
Grand Forks Affordable In-Fill Program (DAP) (701) 746-2545
Grand Forks American Dream Program Down Payment And Closing Cost Gift Assistance (DCA) (701) 746-2545
Grand Forks Home Ownership Assistance Program (HOAP) (701) 746-2545
Mulit-Counties Lewis and Clark Community Works Dream Fund Affordability Gap Program (DFAG) (701) 255-4591

About Jennifer Cribsly

I'm a former real estate broker who specialized in helping first time buyers be able to purchase a home. Now full time mom, part time real estate owner/investor.
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