Major Home Improvement Program
Major Home Improvement Program is a first mortgage for homebuyers in Statewide County, North Dakota, administered by North Dakota Housing Finance Agency (NDHFA).
The program asks for
- The home is occupied as a primary residence
- A completed homebuyer education course
- Acquisition+rehab first mortgage, not a standalone DPA. Interest rate, credit score, DTI not published.
- A home in North Dakota
It doesn’t cover
- 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.
Income limit
$110,000 household income limit, as the program publishes it
The program states this limit itself. Its official site says how household size changes it.
Where it applies
North Dakota’s homesNorth Dakota’s homes, and the ones this program accepts
- 56.7% single-familysingle-family
- 6.3% townhousetownhouse
- 5.2% 2–4 units2–4 units
- 25.1% 5+ unitscondo & apartment buildings (5+ units)
- 6.7% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$249,900
North Dakota median home value
47.8%
built before 1980
U.S. Census Bureau, ACS 2024 5-year.
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program before funds are reserved.
Contact North Dakota Housing Finance Agency (NDHFA) to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Major Home Improvement Program?
Major Home Improvement Program is a first mortgage for homebuyers in Statewide County, North Dakota, administered by North Dakota Housing Finance Agency (NDHFA). Provides affordable first mortgage loans to low- to moderate-income households to buy and rehabilitate a single-family home, or to refinance and rehabilitate their present single-family home. Affordable mortgage financing combining acquisition (or refinance) plus rehabilitation in one loan.
Do you have to pay it back?
Major Home Improvement Program 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?
Major Home Improvement Program is open to homebuyers who will live in the home as their primary residence. A homebuyer education course is required. Acquisition+rehab first mortgage, not a standalone DPA. Interest rate, credit score, DTI not published.
What are the income limits?
Major Home Improvement Program limits household income to $110,000. 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?
Major Home Improvement Program caps the purchase price at $481,176. Eligible property types include single family.
Is there eligibility for specific groups?
Major Home Improvement Program names veterans, active-duty service members, reservists and National Guard members, surviving spouses, American Indian and Alaska Native homebuyers, educators, law enforcement officers, firefighters, healthcare workers, homebuyers with disabilities, and first-generation homebuyers 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?
Major Home Improvement Program serves homebuyers purchasing in Statewide County, North Dakota.
How do you apply?
Applications for Major Home Improvement Program go through North Dakota Housing Finance Agency (NDHFA), which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for North Dakota homebuyersOther programs open to North Dakota homebuyers
- Essential Public Employee Program (EP2)Up to $10,000
- Down Payment and Closing Cost Assistance - DCADeferred
- Down Payment and Closing Cost Assistance - StartDeferred
Whether two programs can be combined is up to each agency. Ask before you apply.
All 70 programs for North DakotaProgram terms are set by North Dakota Housing Finance Agency (NDHFA) and can change; confirm on the official site before you apply.