Your real North Dakota affordability, the NDHFA Down Payment & Closing Cost Assistance (DCA) match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your North Dakota number — free →The NDHFA Down Payment & Closing Cost Assistance (DCA) is North Dakota's flagship statewide down payment assistance, administered by the state housing finance agency (second mortgage). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in North Dakota often add their own programs on top.
Official North Dakota program page →North Dakota's main statewide option is the NDHFA Down Payment & Closing Cost Assistance (DCA) — second mortgage administered by the state housing finance agency. Many cities and counties in North Dakota add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap North Dakota assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official NDHFA Down Payment & Closing Cost Assistance (DCA) page before applying.