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HomeAccess

North Dakota Housing Finance Agency (NDHFA) · Statewide County, North Dakota

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Income limit

$110,000

The household income limit the program publishes

Price cap

$481,176

Highest purchase price the program allows

What is HomeAccess?

HomeAccess is a first mortgage for homebuyers in Statewide County, North Dakota, administered by North Dakota Housing Finance Agency (NDHFA).

  • HomeAccess provides low-interest first mortgages to single-parent, veteran/active-service, disabled, or elderly (65+) households not eligible for FirstHome due to owning a home in the prior three years. DPA can be added via DCA or Start.
  • Below-market interest rate first mortgage for targeted households; can be paired with DCA or Start DPA.

Do you have to pay it back?

HomeAccess is a first mortgage and is repaid under the terms set by North Dakota Housing Finance Agency (NDHFA).

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

HomeAccess is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Targets single-parent, veteran/active-duty, disabled, and elderly (65+) households. Interest rate, min credit score, max DTI not published.

The program excludes

  • Purchases above the $481,176 price cap
  • Households above $110,000

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

HomeAccess limits household income to $110,000.

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

HomeAccess caps the purchase price at $481,176.

  • Eligible property types include single family, duplex, triplex, fourplex, and manufactured home on permanent foundation.
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

HomeAccess names veterans, active-duty service members, reservists and National Guard members, surviving spouses, and buyers with disabilities among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

HomeAccess serves buyers purchasing in Statewide County, North Dakota.

How do you apply?

Applications for HomeAccess go through North Dakota Housing Finance Agency (NDHFA), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact North Dakota Housing Finance Agency (NDHFA) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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