North Dakota
First Time Home Buyer Grants

by Jeff Ragan

Hunting for North Dakota first time home buyer grants to purchase that home?  Find the best grants for home buying in North Dakota and other home mortgage grants available below.

Are you considering the purchase of a home in North Dakota? Purchasing a home in any state is an exciting adventure!

If you think you are ready, be sure to get a mortgage that works with the various grants or programs for home buying out there.

With so many lenders to choose from, you want to be sure and select the right one. has been most helpful to many people like you. Just be sure to ask for the FHA 203b home loan.

It can be a nerve racking process. However, don't let yourself become overwhelmed with the voyage. I plan to give you information to help you with this project. Especially when it comes to raising the necessary down payment.

If you need help estimating your mortgage closing costs, check out this FREE closing costs calculator by clicking here.


Grants for Home Buying in North Dakota

To begin with, the State of North Dakota does offer a North Dakota first time home buyer grant for its residents. This is good news because not all states are able to offer assistance to first time home buyers.

The state agency which maintains North Dakota's first time home buyer grant program is the North Dakota Housing Finance Agency. North Dakota offers a small grant for those who qualify. This grant is called the "HomeSmart Program."

There is another assistance program called the "Start Program." This assistance program is provided with their other programs for those who meet the requirements.

Some of their other programs are "FirstHome,"which as its name suggests is for those buying for the first time. Note, if you haven't owned a home for more than three years, you many be considered a first time buyer again!

Another program is the "HomeAccess" which is designed for those who are disabled.

There is also the "North Dakota Roots" program. This program can be used with those who have owned before. It also has higher income limits. The assistance grant called "Start Program" can be used in conjunction with this program as well. 

They also offer a deferred loan program that is pretty cool. It is called the "Approved Second Mortgage/Grant Programs." There are several assistance programs that can assist with the down payment and/or closing costs.

All of these programs have limitations and restrictions. So you will have to investigate what these are to see if they will be a good fit for you.

You should visit this site to determine your eligibility.

Federal Home Mortgage Grants

In addition, the federal government offers grant assistance for first time home buyers in North Dakota. This program is maintained by the United States Department of Housing and Urban Development and is called the Homes and Communities program. Their website contains useful information and applications.

The website for the grant program maintained by the United States Department of Housing and Urban Development can be visited by using this link, HUD Grant Information.

Additional Home Buying Grants

Another website I would recommend that you view is Visit the Government Grants. This website offers a list of all federal government grant programs. It would be a good idea to take some time and browse through this site to see what it offers and the qualifications for application.

Of course, when you use any of these programs they may take time. So be patient. While you're waiting, start a savings plan. Why? Well if you get turned down, that doesn't end your adventure. You may save enough for a low down payment program. The FHA loan products are a good one for that.

Remember, you want a lender who works with any of these North Dakota first time home buyer grants. Even if you qualify for a grant, you still have to qualify for a home loan. Would you like to see where you stand in this process? , has been very helpful finding the lenders that work with these grant programs.

North Dakota First Time Home Buyer Grants Support

Thank you for visiting our website for first time home buyers. Below you'll find more information to help you with grants for housing.

Click here for additional information on North Dakota First Time Home Buyer Grants.

This link will take you to the HUD website and you will see a map of the USA. Click on your state and then you'll find a list of the local counseling agencies in your own area.

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Happy House Hunting!

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