NeighborWorks Dakota Home Resources Down Payment and Closing Costs Loan Program
Deferred second loan · Income limit 115% of AMI
See details Jul 2026
Down payment assistance · South Dakota
Buying a home in Lawrence County, SD
1 county-wide program, plus 8 statewide and 62 nationwide.Lawrence has 1 program that covers the whole county. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in LawrenceAnywhere in Lawrence County
1 program for every Lawrence address1 program that covers every Lawrence address
This is run for the whole county, so a home in Spearfish, Lead or North Spearfish can use it.
AMI is HUD’s area median income for Lawrence, adjusted for household size. Each program publishes its own dollar limits.
The Lawrence marketThe Lawrence housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Lawrence
- 64.6% single-familysingle-family
- 5% townhousetownhouse
- 6.2% 2–4 units2–4 units
- 14.6% 5+ unitscondo & apartment buildings (5+ units)
- 9.5% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lawrence’s homes were built
pre-19401970s2020+
42.2%
of Lawrence 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.
$97,000
HUD area median income, 4 people (FY2026)HUD area median income, Lawrence County, 4-person household (FY2026)
$73,384
Median household income (ACS 2024 5-year)Median household income in Lawrence (Census ACS 2024 5-year)
65.1%
of occupied homes are owner-occupied (South Dakota: 68.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 12 of the 71 programs here set their income limit as a share of Lawrence County’s area median income, adjusted for household size. See the published limits for Lawrence County
Free help in LawrenceFree help in Lawrence
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Lawrence County
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Lawrence County.
4 cities and placesA to Z
All cities in Lawrence CountyAll 4 cities and places in Lawrence County
Lawrence questions
Can I use a county program anywhere in Lawrence?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Lawrence County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Lawrence programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Lawrence?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Lawrence County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.