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Down payment assistance income limits in North Dakota

10 down payment assistance programs in North Dakota publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each North Dakota county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in North Dakota
CountyPublished4-person median
Adams2026$107,500
Barnes2026$102,400
Benson2026$74,100
Billings2026$111,200
Bottineau2026$111,300
Bowman2026$104,000
Burke2026$121,400
Burleigh2026$113,000
Cass2026$115,200
Cavalier2026$105,300
Dickey2026$98,300
Divide2026$121,400
Dunn2026$130,800
Eddy2026$95,700
Emmons2026$99,000
Foster2026$122,000
Golden Valley2026$105,600
Grand Forks2026$106,800
Grant2026$86,700
Griggs2026$91,000
Hettinger2026$109,400
Kidder2026$90,400
Lamoure2026$106,300
Logan2026$80,400
Mchenry2026$103,400
Mcintosh2026$83,100
Mckenzie2026$127,700
Mclean2026$115,700
Mercer2026$108,200
Morton2026$113,000
Mountrail2026$105,500
Nelson2026$107,100
Oliver2026$113,000
Pembina2026$99,600
Pierce2026$98,300
Ramsey2026$102,600
Ransom2026$105,300
Renville2026$86,400
Richland2026$108,000
Rolette2026$72,200
Sargent2026$105,600
Sheridan2026$98,900
Sioux2026$48,100
Slope2026$99,200
Stark2026$109,900
Steele2026$115,300
Stutsman2026$108,000
Towner2026$100,200
Traill2026$117,000
Walsh2026$91,600
Ward2026$95,700
Wells2026$102,800
Williams2026$111,200

Published limits by program

Published income limits and purchase price caps by program in North Dakota
ProgramIncome limitPrice cap
Down Payment and Closing Cost Assistance - DCAStatewide · Statewide$110,000NDHFA 2025-2026 household income limits vary by county and household size. Range: $56,850 (lower-population counties, 1-2 person) up to $110,000 (Williston Basin energy-impact counties / targeted census tracts, 3+ person). Limits published in NDHFA Limits table at ndhfa.org/Homeownership/Limits.$616,111
Down Payment and Closing Cost Assistance - StartStatewide · Statewide$110,000NDHFA Start 2025-2026 household income limits vary by county and household size. Range: $93,500 (lower-population counties, 1-2 person) up to $110,000 (Williston Basin energy-impact counties / targeted census tracts, 3+ person). Higher income floor than DCA because the larger 5% second requires sufficient income to qualify for both debt loads.$616,111
DREAM FundMandan · Multiple$137,550Income range $58,450 (lower-county 1-2 person 80% AMI floor) up to $137,550 (Williston Basin / Bakken-impact county 3+ person 140% AMI ceiling). Verifies against current HUD AMI tables for LCDG's 15-county Western/Central ND service area.—
Essential Public Employee Program (EP2)MandanSee programNo income limit published; eligibility is based on qualifying public-employee status rather than income.—
FirstHomeStatewide$110,000FirstHome income limits eff. 6/1/2025 (all ND counties): family <3 = $93,500; family 3+ = $110,000.$481,176
HomeAccessStatewide$110,000HomeAccess income limits eff. 6/1/2025 (all ND counties): family <3 = $93,500; family 3+ = $110,000.$481,176
Major Home Improvement ProgramStatewide$110,000Subject to NDHFA income limits (FirstHome limits eff. 6/1/2025: family <3 = $93,500; family 3+ = $110,000).$481,176
Minot Resilient Homebuyer ProgramMinot · Ward$107,200Ward County LMI limits (base year 2020; reviewed annually by HUD) by household size: 1=$75,050; 2=$85,800; 3=$96,500; 4=$107,200; 5=$115,800; 6=$124,400; 7=$132,950; 8=$141,550.$294,600
North Dakota RootsStatewideSee programNo income limits.—
Targeted Area LoanCass and Sioux (specific census tracts)See programSubject to NDHFA Targeted Area income and purchase price limits.$481,176

Questions, answered

What are the income limits for down payment assistance in North Dakota?

10 down payment assistance programs in North Dakota publish an income limit, a purchase price cap, or both. 0 express the limit as a percentage of the area median income for the county where the home is, and 7 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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