North Dakota FirstHome Program with Start and DCA Assistance
Program at a Glance
- Location: North Dakota (statewide)
- Status: Open through participating lenders
- Maximum benefit: A credit at closing worth 3% of your mortgage
- Who it’s for: Buyers who haven’t owned and lived in a home in the past three years
- Repayment: 96 monthly payments; repay what’s left if you sell or refinance sooner
- Limits: Income and price limits vary by county and household size
- Last verified: November 2026
About the Program
The North Dakota Housing Finance Agency's FirstHome program is for buyers who haven't owned and lived in a principal residence in the past three years. Pair it with Start or DCA assistance and you get a credit at closing equal to 3% of your mortgage to use on the down payment or closing costs. You pay it off through 96 monthly payments, and if you sell or refinance sooner you repay what's left, with some of it forgiven if the sale doesn't cover it. DCA has lower income limits and requires a homebuyer education course, while Start has higher income limits and a higher rate. Income and price limits vary by county and household size and change every year. You apply through a participating lender.
Official source: Program details
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