North Dakota Down Payment and Homeownership Assistance


Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.

Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.

Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.

The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.

(Source: HUD.gov)

Statewide Programs

North Dakota Housing Finance Agency – Home-Smart-Homebuyer Education Incentive Program  (701) 328-8080 or (800) 292-8621
USDA Rural DevelopmeHome  (701) 845-5150 or (800) 688-2293 ext.4

Eastern North Dakota

Devils Lake – Dakota Prairie Community Action Agency – serving Ramsey, Rolette, Eddy, Towner, Benson, and Cavalier counties (701) 662-6500 or (800) 321-5943
Fargo – City Housing
Fargo – SE North Dakota Community Action Agency – serving Steele, Traill, Cass, Ransom, Sargent, and Richland counties (701) 232-2452 or (800) 726-7960
Fargo/Moorhead and Grand Forks – The Village Family Service Center – (701) 235-3328 or (800) 450-4019
Grand Forks – Housing authority – (701) 746-2545
Grand Forks – Red River Valley Community Action Agency – serving Nelson, Pembina, Walsh and Grand Forks counties (701) 746-5431 or (800) 450-1823
Jamestown – Community Action Region VI – serving Barnes, Dickey, Foster, Griggs, McIntosh, Stuttsman, and Wells counties (701)252-1821 or (800) 726-8179

Western North Dakota

Bismarck – Community Action Program Region VIII – serving Burleigh, Emmons, Grant, Kidder, McLean, Mercer, Morton, Oliver, Sheridan and Sioux counties (701) 258-2240 or (800) 223-0364 or TDD (800) 366-6888
Dickinson – Community Action and Development Program – serving Adams, Billings, Bowman, Divide, Dunn, Golden Valley, Hettinger, McKenzie, Slope, Stark and Williams counties (701) 227-0131 or (800) 359-2243
Minot – Community Action Opportunities – serving Bottineau, Burke, McHenry, Mountrail, Pierce, Renville and Ward counties (701) 839-7221 or (800) 726-8645 or TDD (701) 852-3028
Williston – Community Action and Development – serving Divide, McKenzie and Williams counties (701) 572-8191

Tribal agencies

Fort Berthold Housing Authority – New Town – (701) 627-4731

Spirit Lake Housing Authority – Fort Totten – (701) 766-4131

Standing Rock Housing Authority – Fort Yates – (701) 854-3891

Turtle Mountain Housing Authority – Belcourt – (701) 477-5673