Programs by situationPrograms by situation · South Dakota
7 programs name first responders: 3 city, 1 county or regional, 3 statewide.7 programs in South Dakota name first responders among the groups they serve: 3 run by a city, 1 by a county or regional agency and 3 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a first responder puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a first responder gets a program onto this list; it does not decide whether you can use it.
The 7 programs, closest first
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in South Dakota. Listed A–Z within each group, not ranked.
Down-payment assistance · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders, healthcare workers and first-generation homebuyers · Homebuyer class required
See details →Forgivable loan
Names: first responders
See details →Assistance grant · Income limit 115% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders, healthcare workers and first-generation homebuyers · Homebuyer class required
See details →Deferred second loan · Income limit 115% of area median income
Names: teachers and first responders
See details →Silent second
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders, healthcare workers and first-generation homebuyers · Homebuyer class required
See details →Deferred second loan · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders, healthcare workers and first-generation homebuyers · Homebuyer class required
See details →Mortgage credit certificate · First-time homebuyers
Names: veterans, active-duty service members, reservists, surviving spouses, teachers, first responders, healthcare workers and first-generation homebuyers · Homebuyer class required
See details →What to know
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
ask for a homebuyer education class.
are limited to first-time homebuyers, as each program defines it.
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in South DakotaFree help in South Dakota
5 of 7 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.5 of 7 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a first responder. Create a free account to see who’s near you.
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Other situations
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No. These programs name first responders in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
A nationwide program is not one of South Dakota’s own, so it is listed below the 7 South Dakota programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.