Down payment assistance · North Dakota

Buying a home in North Dakota

13 programs: 8 statewide, the rest run by counties and 3 cities. What you can use depends on where the home is.13 programs across North Dakota: 8 statewide, the rest run by counties and 3 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Dunn	1	$275,000	$130,800	See Dunn
Rolette	1	$103,800	$72,200	See Rolette
Ward	1	$267,100	$95,700	See Ward
All 53 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July 2026.

Anywhere in North Dakota

8 statewide programs

Up to $10,000

Essential Public Employee Program (EP2)

Repayable second loan · Income limits · Educators

See details

Deferred

Down Payment and Closing Cost Assistance - DCA

Deferred second loan · New construction · Income limits · First-time · Veterans

See details

Deferred

Down Payment and Closing Cost Assistance - Start

Deferred second loan · New construction · Income limits · First-time · Veterans

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

3 HUD-approved counseling agencies in North Dakota3 HUD-approved housing counseling agencies in North Dakota

7 of the 8 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.7 of the 8 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in North DakotaArea median income for all 53 counties, and the limit each program sets.See the limits

North Dakota questions

What is Essential Public Employee Program (EP2)?

Essential Public Employee Program (EP2), a repayable second loan (income limits), open anywhere in North Dakota and run by Lewis & Clark Development Group (operating as CommunityWorks North Dakota, NMLS #177084). Its page has the details and a link to the official site.

Which North Dakota counties run their own programs?

3 counties of 53 have a county or city program listed, among them Dunn, Rolette and Ward. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in North Dakota?

Many programs ask for one. 7 of the 8 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a North Dakota condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.

3 North Dakota cities with their own program