North Dakota down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in North Dakota, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| NDHFA Downpayment and Closing Cost Assistance (DCA) | 3% of first-mortgage amount as closing credit | product/program specific | State DPA assistance paired with eligible NDHFA first mortgage | Cannot be combined with Start; underlying first-mortgage program and income rules control. |
| NDHFA Start | 3% of first-mortgage amount as closing credit | product/program specific | State DPA assistance paired with eligible NDHFA first mortgage | Cannot be combined with DCA; not every NDHFA first-mortgage product is eligible. |
NDHFA Downpayment and Closing Cost Assistance (DCA)
NDHFA Downpayment and Closing Cost Assistance (DCA) is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: product/program specific
NDHFA Start
NDHFA Start is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: product/program specific
National programs North Dakota buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
North Dakota's biggest DPA lesson
North Dakota has two separate NDHFA 3% assistance programs—DCA and Start—with different income/program pairings. V25 lists both rather than one generic state card.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.