Down payment assistance · South Dakota

Buying a home in South Dakota

20 programs: 8 statewide, the rest run by counties and 2 cities. What you can use depends on where the home is.20 programs across South Dakota: 8 statewide, the rest run by counties and 2 cities. What you can use depends on where the home is.

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Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Pennington	7	$302,200	$101,300	See Pennington
Brown	1	$221,100	$106,400	See Brown
Dewey	1	$69,600	$66,400	See Dewey
Lawrence	1	$346,500	$97,000	See Lawrence
All 66 counties

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

Anywhere in South Dakota

8 statewide programs

Up to $10,000

South Dakota Native Homeownership Coalition Down Payment Assistance Program

Forgivable loan · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $7,500

GROW South Dakota Down Payment & Closing Cost Assistance (DPCC)

Deferred second loan · Income limits · Veterans · Educators

See details

Up to $2,000

SD Housing Tax Credit (MCC)

Mortgage credit certificate · Income limits · First-time · Veterans · Educators

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

16 HUD-approved counseling agencies in South Dakota16 HUD-approved housing counseling agencies in South 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 South DakotaArea median income for all 66 counties, and the limit each program sets.See the limits

South Dakota questions

What is South Dakota Native Homeownership Coalition Down Payment Assistance Program?

South Dakota Native Homeownership Coalition Down Payment Assistance Program, a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits), open anywhere in South Dakota and run by South Dakota Native Homeownership Coalition. Its page has the details and a link to the official site.

Which South Dakota counties run their own programs?

6 counties of 66 have a county or city program listed, among them Pennington, Brown, Dewey and Lawrence. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in South 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 South Dakota condo?

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

2 South Dakota cities with their own program