Community Partners: Community Partners provides a financing incentive to first-time home buyer purchasing homes through community or non-profit sponsored housing developments.
Down payment and Closing Cost Assistance (DCA): The zero-interest, deferred payment loans available through the Down Payment and Closing Cost Assistance program help lower income first-tome home buyers meet out-of-pocket cash requirements.
First Home: Through NDHFA’s standard mortgage program, known as First Home, North Dakota’s low to moderate-income first-time home buyers receive a reduced-interest rate mortgage loan.
Habitat for Humanity Loan Purchase: NDHFA purchases and services loans made by local Habitat for Humanity affiliates, in turn supporting the organization’s mission to eliminate poverty housing and homelessness.
Home Access: With the Home Access program, permanently disabled, elderly and single-parent households and honorably discharged veterans that are not first-time home buyers may qualify for NDHFA’s mortgage loans.
Major Home Improvement: Through the Major Home Improvement program, households may receive reduced-interest rate loans to purchase or refinance and rehabilitate a single-family home. The borrowers are not required to be first-time home buyers.
Home Key: With Home Key, lower income first-time buyers are able to enhance their purchasing power by receiving a break on NDHFA’s already reduced-interest rate mortgage loans.
North Dakota Roots: The North Dakota Roots home ownership incentive program provides new and returning state residents with either a below-market interest rate loan or a market-rate loan that includes down payment and closing cost assistance.
Start: The Start program offers low-to moderate first-time home buyers both an affordable first mortgage and assistance with out-of-pocket cash requirements.