Forgivable loan
Minot Resilient Homebuyer Program
Income limits · single family · new construction
Down payment assistance · Ward County
Buying a home in Minot, ND
1 Minot program and 8 statewide.Minot has 1 program of its own, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Minot addresses
Minot’s own program
The Minot marketThe Minot housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Minot
- 47.4% single-familysingle-family
- 8.1% townhousetownhouse
- 8.1% 2–4 units2–4 units
- 27.9% 5+ unitscondo & apartment buildings (5+ units)
- 8.5% mobile & othermobile home & other
About condos. Minot’s one local program does not list condos as eligible. Minot Resilient Homebuyer Program lists single family and new construction.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Minot’s homes were built
pre-19401970s2020+
46.4%
of Minot homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$95,700
County area median income, 4 people (HUD)HUD area median income, Ward County, 4-person household (2026)
$73,219
Minot median household incomeMedian household income in Minot (Census, 2024)
8 of the 71 programs here set their income limit as a share of Ward County’s area median income, adjusted for household size. See the published limits for Ward County
Free help nearbyFree help near Minot
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Minot’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Minot Resilient Homebuyer Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across North Dakota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Minot questions
Does Minot have its own down payment program?
Yes, one: Minot Resilient Homebuyer Program, a forgivable loan (forgiven over 15 yrs, income limits). It is for homes inside Minot.
Can I use assistance on a condo in Minot?
Minot’s one local program does not list condos as eligible. Minot Resilient Homebuyer Program lists single family and new construction. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Ward County?
Each program sets its own. 8 of the programs here set theirs as a share of HUD’s area median income for Ward County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Minot?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Minot. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
58701 · 58702 · 58703 · 58707
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.