Home Buyer Down Payment Grants for Single Mothers in North Dakota

Last updated: September 2025

You’re here for clear, practical help on down payment money in North Dakota. This guide focuses on real programs you can use, what they pay today, and exactly how to apply. Links below go to official state and federal pages, so you can check details fast and call the right office right away.

If You Only Do 3 Things — Emergency Actions to Take

Get pre‑screened by an NDHFA lender today: Call an ND Housing Finance Agency (NDHFA) participating lender to confirm you qualify for down payment assistance and lock in a plan; start from the NDHFA “Find a Lender” list, then keep the NDHFA main line handy at 1-800-292-8621; if you’re new to homebuying, add a quick call to the HUD counseling line at 1-800-569-4287 to ask about prep steps. Find an NDHFA lender, NDHFA contact, HUD housing counseling. (ndhfa.org)
Register for NDHFA-approved homebuyer education with the coupon code: Take eHome America through NDHFA partners and use the NDHFA coupon to drop the fee; save your dated certificate because NDHFA needs it before closing; if you’re not sure which class meets your loan’s rule, ask your lender before you pay. NDHFA “Ready to Buy a Home?” page, eHome ND registration, Homebuyer education details. (ndhfa.org)
Check income, purchase price, and property limits now: Confirm that your family size and county fit current limits and that your target home is under today’s price cap; limits updated June 1, 2025, and purchase price caps remain at $481,176 for a single‑family home statewide. Income and purchase price limits, ND Industrial Commission update, NDHFA news release. (ndhfa.org)

Quick help — key numbers and links to keep handy

NDHFA borrower help: 1-800-292-8621; ask for Homeownership; use this for program rules, Start/DCA availability, and participating lenders; you can also view sample interest rates. NDHFA contact, Current rates, Buy a Home FAQs. (ndhfa.org)
HUD‑approved counseling & FHA help: HUD North Dakota office 701-239-5136; housing counseling line 1-800-569-4287; FHA questions 1-800-CALL‑FHA (1-800-225-5342). HUD North Dakota, Contact HUD North Dakota, FHA help. (hud.gov)
USDA Rural Development (0% down in eligible rural areas): State office 1-701-530-2037; Single‑Family Housing contact list with area numbers; servicing center for existing loans 1-800-414-1226. USDA RD North Dakota contacts, RD loan servicing, USDA RD state offices. (rd.usda.gov)
Fair housing or legal help: High Plains Fair Housing 1-866-380-2738; Legal Services of North Dakota 1-800-634-5263 (under 60) or 1-866-621-9886 (60+); AG Consumer Protection 1-800-472-2600. High Plains Fair Housing, Legal Services of ND, ND Attorney General consumer complaints. (highplainsfhc.org)

How North Dakota’s down payment help works this year

North Dakota runs two core options for down payment and closing costs, and both can be used with NDHFA’s low‑rate mortgages: DCA for very low incomes, and Start for low‑to‑moderate incomes. Both typically equal 3% of your first‑mortgage amount as a credit at closing when paired with an eligible NDHFA loan, and both require at least $500 of your own money in the deal. NDHFA “Ready to Buy a Home?”, Lender program overview, Buy a Home FAQs (DCA/Start). (ndhfa.org)

DCA (Down Payment & Closing Cost Assistance): Designed for lower‑income first‑time buyers using NDHFA FirstHome; 3% credit toward down payment, closing costs, and prepaid items; cannot be stacked with other down payment programs, and you must finish homebuyer education before closing. NDHFA “Ready to Buy a Home?”, Income/price limits, Find a FirstHome Certified Agent. (ndhfa.org)
Start (purchase assistance tied to NDHFA loans): For low‑ and moderate‑income buyers; same 3% closing credit structure; available with NDHFA first mortgages (FirstHome, HomeAccess, and in some cases Roots—confirm with your lender); Start loans usually carry a slightly higher rate than a straight FirstHome loan. NDHFA “Ready to Buy a Home?”, Lender program overview, NDHFA current rate sheet (example spread). (ndhfa.org)
FirstHome and HomeAccess (the mortgages that pair with assistance): FirstHome is for people who haven’t owned in three years; HomeAccess lets certain “special needs” households (including single parents) qualify even if they owned before; both use the same statewide income caps ( $93, 500 f or h o u se h o l d s u n d er 3 p eo pl e an d$ 110,000 for 3+), effective June 1, 2025, and a single‑family purchase price cap of $481,176. Income & price limits, Homeownership limits update – May 28, 2025, FirstHome/HomeAccess overview. (ndhfa.org)
North Dakota Roots (for repeat or higher‑income buyers): For households whose income exceeds FirstHome/HomeAccess or who need to buy again; the program removed income caps in recent years—confirm current availability, limits, and whether Start is allowed with Roots before you apply. NDHFA Roots information, Agency history and Roots background, Program expansion news. (ndhfa.org)

What to do if this doesn’t work: If you don’t fit DCA or Start, ask your lender to check USDA Rural Development 502 loans (0% down), HUD Section 184 (for Native buyers), or a city/tribal program; then call a HUD counselor for a “second look.” USDA RD North Dakota, HUD Section 184, HUD housing counseling. (rd.usda.gov)

Quick comparison table — NDHFA purchase assistance and mortgages

Program	Assistance amount	Who qualifies	Min cash from you	Can stack with other DPA?	Education needed
DCA (Down Payment & Closing Cost Assistance)	3% of first‑mortgage amount as credit	First‑time buyers within income/price caps using FirstHome	$500	No	Yes, before closing
Start (assistance paired with NDHFA loans)	3% of first‑mortgage amount as credit	Low‑to‑moderate income buyers using eligible NDHFA first mortgage	$500	No	Yes, before closing
FirstHome mortgage	Below‑market fixed rate	Haven’t owned in 3 years	$500	—	Strongly encouraged
HomeAccess mortgage	Similar rate with access for single parents, veterans, households with disabled or elderly member	“Special needs” households; income caps apply	$500	—	Yes for assistance
North Dakota Roots	Expanded access for repeat/beyond‑income buyers	Confirm terms; may not have income caps	$500	Start may be allowed—confirm	Yes if using Start

Sources: NDHFA “Ready to Buy a Home?”, Income and price limits, Lender program overview. (ndhfa.org)

How much can you get in North Dakota, and what are this year’s limits?

NDHFA’s DCA and Start offer 3% of your first mortgage as a closing credit, which you can use for down payment, lender fees, title charges, and prepaid taxes/insurance; statewide FirstHome/HomeAccess income caps are $93, 500 (1-2 p erso n) an d$ 110,000 (3+), with a single‑family purchase cap at $481,176. Income & purchase price limits (effective June 1, 2025), Homeownership limits update news, Program FAQs. (ndhfa.org)

Expect Start‑assisted interest rates to be a bit higher than standard FirstHome rates; NDHFA posts rate sheets and those spreads change; always compare with your lender the same day you lock. NDHFA rate sheet (example), Find a lender, HUD counseling. (ndhfa.org)

What to do if this doesn’t work: If your income is over the cap or your house price is higher, ask about North Dakota Roots and whether Start can be paired; if funds are tight but you’re buying rural, compare USDA 502 options and check eligibility maps with your lender. NDHFA programs overview, USDA RD North Dakota, Buy a Home FAQs. (ndhfa.org)

Step‑by‑step: how single moms in North Dakota can apply without wasting time

Confirm basic eligibility with a lender: Call an NDHFA lender, ask them to run income and price caps, and request pre‑qualification with NDHFA FirstHome or HomeAccess plus DCA/Start; also ask if you’re in a federally “Targeted Area” census tract (this can waive first‑time requirements for some loans). Find a lender, Income/price limits, Agent finder — FirstHome Certified. (ndhfa.org)
Take homebuyer education early and use the discount: Register for eHome America via NDHFA partners and use the coupon (HOME30) so your certificate is dated before closing; this saves last‑minute scrambling and verifies you understand loan costs. NDHFA “Ready to Buy a Home?”, eHome ND registration, Program FAQs. (ndhfa.org)
Collect documents your underwriter will ask for: Pay stubs, 2 years of W‑2s/1099s, two months bank statements, child support orders if counted, photo ID, and your $500 minimum cash source; ask your lender for an NDHFA checklist and timelines. Buy a Home FAQs, HUD counseling, CFPB home loan toolkit. (ndhfa.org)
Shop homes that fit caps and loan type: Verify price limits and ask your agent about Flood Zone status since homes in the 100‑year floodplain are typically not eligible; ask your agent to be FirstHome Certified. Income/price limits, Find a FirstHome Certified Agent, HUD North Dakota homeownership page. (ndhfa.org)
Lock rate and submit for NDHFA purchase assistance: Your lender locks the rate and secures NDHFA authorization for DCA/Start; NDHFA loans are originated by private lenders and then sold to NDHFA after closing. Buy a Home FAQs, NDHFA partner process, Program news (2024 example). (ndhfa.org)

Timelines and realistic wait times: After you submit a complete file, lenders often take a week to underwrite, and closing commonly occurs 30–45 days after a signed purchase agreement; NDHFA’s authorization is coordinated by your lender and can add a few days if docs are missing, so build in buffer time. Buy a Home FAQs, Find a lender, CFPB toolkit. (ndhfa.org)

What to do if this doesn’t work: If an NDHFA lender says you’re not eligible, call a second lender from the list and a HUD counselor for a quick review; also check if the home is in a targeted census tract (parts of Cass and Sioux counties) that may open options. Find a lender, HUD North Dakota, NDHFA agent page with targeted tract notes. (ndhfa.org)

Application checklist you can screenshot

Government photo ID: DL/state ID; make sure it’s not expired. NDHFA FAQs, HUD counseling, CFPB toolkit. (ndhfa.org)
Income proofs: Two months pay stubs, last two years W‑2s/1099s, SSI/child support docs. NDHFA “Ready to Buy a Home?”, HUD North Dakota, CFPB toolkit. (ndhfa.org)
Assets: Two months bank statements; gift letter if applicable. NDHFA FAQs, Find a lender, CFPB toolkit. (ndhfa.org)
$500 minimum from you: Keep proof of the source for underwriters. NDHFA FAQs, Program overview, Lender page. (ndhfa.org)
Homebuyer education certificate: Finish eHome America via NDHFA partners; keep the dated certificate. NDHFA “Ready to Buy a Home?”, eHome ND, Buy a Home FAQs. (ndhfa.org)

Quick reference cheat sheet

Topic	Who to call / where to click	What to say
NDHFA down payment help (DCA/Start)	NDHFA Homeownership, 1-800-292-8621	“I’m a single parent buying in ND; do I qualify for Start or DCA with FirstHome/HomeAccess?”
Lenders	Find a lender	“Please pre‑qualify me for NDHFA with assistance and confirm my income/price caps.”
Homebuyer class	eHome ND (coupon noted on NDHFA page)	“I need NDHFA‑accepted homebuyer education; can I get the discount?”
USDA RD (rural, 0% down)	USDA RD North Dakota contacts	“Check my address for RD eligibility and go over Direct vs Guaranteed.”
HUD Section 184 (Native buyers)	Section 184, 1-800-561-5913	“Am I eligible for Section 184 and what are the down payment terms in ND?”

(ndhfa.org)

Eligibility rules — what NDHFA checks first

Your lender must document your projected 12‑month household income, family size, and the county where the home sits; FirstHome/HomeAccess caps are $93, 500 (h o u se h o l d s u n d er 3 p eo pl e) an d$ 110,000 (3+), with a $481,176 single‑family purchase cap; three‑ and four‑unit homes are not eligible under DCA or Start. Income and purchase price limits, Program FAQs, Lender program page. (ndhfa.org)

HomeAccess is especially important for single moms because “single‑parent with a dependent child 50% of the time” qualifies as special‑needs household status; this can open NDHFA financing even if you owned a home before the last three years. NDHFA “Ready to Buy a Home?”, Real‑estate agent page (HomeAccess notes), Program news summary. (ndhfa.org)

What to do if this doesn’t work: If you’re just over the cap, ask the lender to evaluate North Dakota Roots and whether Start can be paired; if you’re well over, check employer “affordable housing” benefits or city incentives (Renaissance Zone tax relief in some downtowns may help your budget). NDHFA programs, Bismarck Renaissance Zone, Grand Forks Renaissance Zone. (ndhfa.org)

Required documents — how to avoid back‑and‑forth delays

Bring pay stubs, W‑2s/1099s, SSI/child support award letters, two months of bank statements, and ID; if someone gifts funds, get a gift letter and a bank proof of the sender’s funds; your homebuyer class certificate must be dated before closing. Buy a Home FAQs, HUD homeownership page, eHome ND. (ndhfa.org)

If you receive child support and want it counted as income, ask your lender what proof they need (orders, history of receipt); NDHFA lenders must follow insurer/guarantor rules (FHA, VA, RD, conventional) plus agency rules, so send what they ask for quickly. NDHFA lender page, HUD counseling line, CFPB toolkit. (ndhfa.org)

What to do if this doesn’t work: If you can’t get a document (like a missing tax transcript), ask your lender for an IRS transcript alternative or to exclude that item if rules allow; when stuck, call a HUD counselor to troubleshoot and keep your purchase agreement timeline safe. HUD housing counseling, CFPB toolkit, NDHFA FAQs. (hud.gov)

Table — income and price caps (effective today)

Item	Limit	Notes
FirstHome/HomeAccess income (1–2 people)	$93,500	Effective June 1, 2025
FirstHome/HomeAccess income (3+ people)	$110,000	Effective June 1, 2025
Single‑family purchase price cap	$481,176	Higher for 2–4 units, but DCA/Start restrict to 1–2 units
Units allowed for DCA/Start	1–2	Borrower must occupy one unit

Source: Income and purchase price limits. (ndhfa.org)

Real‑world examples — what approval looks like

Cass County single mom with two kids: Gross income $68, 000; b u y in g a$ 255,000 Fargo townhouse; uses HomeAccess + Start; gets roughly 3% ($6,900) to cover most closing costs and part of down payment; rate a bit higher than FirstHome but fits budget. NDHFA “Ready to Buy a Home?”, Fargo city DPA note, Rate sheet example. (ndhfa.org)
Rural Ward County nurse buying near Minot: Chooses USDA 502 Guaranteed (0% down) instead of NDHFA; lender compares payment with NDHFA Start; buyer picks USDA for lower up‑front cash, then completes homebuyer education anyway for confidence. USDA RD ND contacts, HUD counseling, eHome ND. (rd.usda.gov)
Turtle Mountain Band of Chippewa citizen buying in Belcourt: Evaluates Section 184 for lower down payment and flexible underwriting; calls Section 184 at 1-800-561-5913 and confirms eligible counties; also checks with tribe/TDHE for local support. HUD Section 184, ND Tribal Nations directory, HUD ND Native programs hub. (hud.gov)

What to do if this doesn’t work: If quotes don’t pencil out, ask the lender to price down payment assistance with different mortgage types the same day; then call CFPB at 1-855-411-2372 if you can’t get clear answers on fees or rates. CFPB contact/complaints, CFPB toolkit, Find a second lender. (consumerfinance.gov)

Common mistakes to avoid (and how to fix them)

Waiting to take the class: Education must be done before closing; do it early to learn costs and fix credit issues first. NDHFA “Ready to Buy a Home?”, eHome ND, CFPB toolkit. (ndhfa.org)
Going over the price cap: A $5,000 price bump can make you ineligible; have your agent verify caps before you write. Income/price limits, Find a FirstHome Certified Agent, HUD homeownership page. (ndhfa.org)
Not budgeting for prepaid costs: The 3% credit helps, but taxes/insurance escrows still add up; ask for a full Loan Estimate. NDHFA FAQs, Rate sheet example, CFPB toolkit. (ndhfa.org)
Assuming DPA stacks: NDHFA’s Start and DCA do not stack with other down payment programs; confirm before you house‑hunt. NDHFA “Ready to Buy a Home?”, Lender page, Program FAQs. (ndhfa.org)

What to do if this doesn’t work: If you get denied or timed out, ask for a written reason; then call a HUD counselor to plan fixes and consider the HCV Homeownership path if your local PHA offers it. HUD HCV Homeownership, HUD counseling, CFPB complaint help. (hud.gov)

Reality check — funding, rates, and delays

Demand is high when interest rates dip, so Start/DCA authorizations can move slower if paperwork is incomplete; NDHFA partners originate loans and then sell them to the agency after closing, which means your speed depends on the lender’s workflow and how fast you provide documents. Program operations note, Buy a Home FAQs, NDHFA news. (ndhfa.org)

Income caps are real guardrails; as of June 1, 2025, they sit at $93, 500 an d$ 110,000, and purchase caps remain high for the state’s prices, but always ask your lender to reconfirm limits before locking; state and federal updates happen every year. Income/price limits page (effective dates), Industrial Commission update, NDHFA press release. (ndhfa.org)

What to do if this doesn’t work: If funds run low or timing is tight, ask your lender to pivot to USDA 502 or conventional with a seller credit; call FirstLink 2‑1‑1 to find local grants or emergency help while you reset. USDA RD ND, FirstLink 2‑1‑1, HUD counseling. (rd.usda.gov)

Diverse communities — targeted pointers and contacts

LGBTQ+ single mothers: Fair housing protections ban discrimination based on sex and gender identity; if you get odd treatment when you apply or shop, call High Plains Fair Housing right away and ask your lender for a different loan officer if you feel uncomfortable; HUD counselors can also help you file a complaint. High Plains Fair Housing, HUD North Dakota, CFPB complaint line. (highplainsfhc.org)
Single mothers with disabilities or with disabled children: HomeAccess may work even if you owned before, and accessibility updates can affect property eligibility; consider pairing NDHFA with USDA (for rural) and check Weatherization for future utility savings; ask for large‑print application packets or TTY as needed. NDHFA “Ready to Buy a Home?”, Weatherization Assistance (state), USDA RD ND contacts. (ndhfa.org)
Veteran single mothers: Pair VA with NDHFA if your lender can structure it, or go VA alone for 0% down; call the VA home loan line 1-877-827-3702 to confirm your COE, and reach your county Veterans Service Office for local help; Fargo VA Health Care System can connect you to support services. VA Home Loans contact, ND Dept. of Veterans Affairs, Fargo VA contact. (benefits.va.gov)
Immigrant and refugee single moms: HUD counselors can help you document lawful residency if your lender needs specific papers; Legal Services of ND can advise on consumer issues, and FirstLink 2‑1‑1 can point you to language‑friendly services; ask NDHFA for translated or plain‑language materials. HUD North Dakota, Legal Services of ND, FirstLink 2‑1‑1. (hud.gov)
Tribal‑specific resources: Section 184 offers low down payment and flexible rules for enrolled Tribal members both on and off trust land; contact your Tribe or TDHE and check ND Indian Affairs for leadership contacts; Section 184 staff can confirm county eligibility and lender lists. HUD Section 184, ND Indian Affairs — Tribal Nations, Section 184 lenders/FAQ. (hud.gov)
Rural single moms with limited access: USDA 502 Direct/Guaranteed can cover 100% financing in eligible areas; call the ND RD state office and your local area office (Devils Lake, Minot, Valley City, Dickinson) for fast eligibility checks; HUD counseling by phone works well if you live far from lenders. USDA RD ND contacts, RD servicing center, HUD counseling. (rd.usda.gov)
Single fathers: HomeAccess includes single parents, not just moms; tell your lender your custody schedule because the 50% residence rule matters; counseling can help you plan the timeline with your parenting plan. NDHFA “Ready to Buy a Home?”, Real‑estate agent program page, HUD counseling. (ndhfa.org)
Language access tips: Ask for TTY/Relay and large‑print if you need them; HUD, NDHFA, and the PSC list TTY access; FirstLink supports 2‑1‑1 in multiple formats; request translated summaries when available. NDHFA contact (TTY 711), HUD North Dakota (TTY info), PSC consumer assistance (TTY). (ndhfa.org)

What to do if this doesn’t work: For unresolved bias or accessibility issues, log details and call High Plains Fair Housing and the CFPB; file complaints promptly to protect your purchase timeline. High Plains Fair Housing, CFPB complaints, HUD ND office. (highplainsfhc.org)

How to stop a utility shutoff in North Dakota today

If you receive a shutoff notice, call your utility first to set a payment plan, then call the PSC consumer line to pause disconnection while you work out a plan; apply for LIHEAP the same day. PSC consumer info, LIHEAP application, HUD ND utilities help. (psc.nd.gov)

If heat is involved, tell the LIHEAP center it’s a crisis; if electric isn’t your primary heat, ask Community Action about Energy Share; document every call. LIHEAP emergency guidance, LIHEAP vendor/Community Action links, PSC “You Should Know” disconnection brochure. (hhs.nd.gov)

If you need fast referrals, dial 2‑1‑1 to reach FirstLink; they can connect you to grants, churches, or weatherization. FirstLink 2‑1‑1, State mental health/FirstLink info, FirstLink overview. (myfirstlink.org)

Resources by region — where to call near you

Fargo / Cass County: Use NDHFA lenders and check city planning for notes on down payment assistance references; 2‑1‑1 for local grants; Lake Agassiz Habitat runs a homeownership program each summer. Find a lender, Fargo “Downpayment Assistance” page, Lake Agassiz Habitat. (ndhfa.org)
Bismarck / Burleigh–Morton: Ask Community Development about CDBG‑backed projects and Neighborhood Reinvestment (low‑interest rehab); Renaissance Zone incentives can cut taxes downtown. Bismarck community assistance hub, Neighborhood Reinvestment Initiative, Bismarck Renaissance Zone. (bismarcknd.gov)
Grand Forks / East Grand Forks: Check the city’s Consolidated Plan and local service grants; Red River Valley Habitat serves homeowners and future homeowners in Grand Forks County. Grand Forks community development reports, RRV Habitat, Habitat affiliate directory. (grandforksgov.com)
Minot / Ward County: Contact lenders and Minot‑area Community Action for housing navigation; check Habitat Northern Lights for volunteer‑build opportunities. Find a lender, Community Action Minot Region housing page, Habitat Northern Lights (Minot). (ndhfa.org)
Williston / Dickinson / Western ND: Use NDHFA lenders across Williams and Stark; Community Action agencies receive Helping HAND funds for critical repairs; USDA RD Dickinson office can check rural eligibility fast. Find a lender, NDHFA Helping HAND grants (2025), USDA RD area offices. (ndhfa.org)
Public Housing Authorities: Ask if your PHA offers the Housing Choice Voucher Homeownership option; Fargo and Grand Forks have active HCV programs, and some PHAs may support homeownership paths. HCV Homeownership program, Fargo Housing HCV page, Grand Forks Housing Authority. (hud.gov)

What to do if this doesn’t work: If local staff can’t answer, call NDHFA (1‑800‑292‑8621) for a direct referral to a participating lender, then ask a HUD counselor for a second opinion. NDHFA contact, Find a lender, HUD counseling. (ndhfa.org)

Other programs to pair with your home purchase

USDA Rural Development (0% down): For homes in eligible rural areas; ask about 502 Guaranteed vs. 502 Direct and payment assistance; state office lists four area offices with toll‑free numbers. USDA RD ND contacts, RD servicing help, State offices index. (rd.usda.gov)
HUD Section 184 (Native buyers): Lower down payment and flexible underwriting for enrolled members; works on and off tribal land; contact Section 184 at 1‑800‑561‑5913. HUD Section 184, Section 184 lenders/resources, ND Tribal Nations directory. (hud.gov)
VA loans (often 0% down): Confirm Certificate of Eligibility and compare payments to NDHFA Start; contact the VA loan center at 1‑877‑827‑3702. VA Home Loans contact, ND Dept. of Veterans Affairs, Fargo VA system. (benefits.va.gov)

What to do if this doesn’t work: If a bank denies you without explaining, call the CFPB at 1‑855‑411‑2372 and file a complaint; regulators expect a response within about 15 days. CFPB contact/complaints, How complaints work, CFPB complaint timing. (consumerfinance.gov)

Table — expected timelines and what you can do

Stage	Typical time	What speeds it up
Lender pre‑qual and program fit	1–3 business days	Send pay stubs/W‑2s/bank statements upfront
House shopping and accepted offer	Variable	Agent checks price caps and flood/condition early
Underwriting + NDHFA authorization	7–15 business days	Education certificate ready; conditions answered within 24 hours
Closing	30–45 days from contract	Rate lock, appraisal ordered early

Sources: NDHFA FAQs, CFPB mortgage toolkit, HUD counseling. (ndhfa.org)

Local organizations, charities, churches, and support groups

FirstLink 2‑1‑1: 24/7 referrals to rent, utility, and crisis help statewide; text your ZIP to 898‑211; they can search for one‑time grant help while you complete pre‑approval. FirstLink “Get Help Now”, FirstLink overview, ND mental health resources. (myfirstlink.org)
Habitat for Humanity: Lake Agassiz Habitat (Cass/Clay) runs a homeownership program each year; Red River Valley Habitat serves Grand Forks; some affiliates also do low‑cost home repairs. Lake Agassiz Habitat, Red River Valley Habitat, Habitat affiliate directory. (lakeagassizhabitat.org)
Community Action network: Local agencies help with LIHEAP, weatherization, and sometimes mortgage/rental support; they’re key for keeping utilities on while you finish your loan. Community Action Partnership of ND, Community Action Minot Region, LIHEAP info. (capnd.org)

What to do if this doesn’t work: If you hit a dead end, call NDHFA and ask for a participating lender that closes lots of FirstHome files in your county; experienced loan officers can speed up tough cases. NDHFA contact, Find a lender, Champion lenders news. (ndhfa.org)

Troubleshooting — if your application gets denied

Ask for the reason in writing: Lenders have to tell you why; once you have it, a HUD counselor can help you plan fixes. HUD counseling, CFPB complaint/rights, NDHFA FAQs. (hud.gov)
Consider other pathways: If NDHFA caps block you, check Roots (repeat buyers), USDA (rural), VA (veterans), and Section 184 (Native buyers). NDHFA programs, USDA RD ND, HUD Section 184. (ndhfa.org)
Escalate if something seems off: Suspect discrimination or steering? Call High Plains Fair Housing and the AG Consumer Protection line. High Plains Fair Housing, ND Attorney General consumer complaints, HUD ND office. (highplainsfhc.org)

What to do if this doesn’t work: File a CFPB mortgage complaint and ask for a supervisor review with your lender; then try another NDHFA lender from the list. CFPB complaints, Find a lender, Buy a Home FAQs. (consumerfinance.gov)

Table — documents most likely to trigger a “conditions” delay and the fix

Common condition	Why it stalls	Fix
Missing proof of $500 minimum borrower funds	NDHFA requires your own cash in the deal	Provide bank statement/screenshot and paper trail
Undated/late homebuyer certificate	Must be dated before closing	Finish eHome and email PDF to lender same day
Child support income counted without docs	Underwriters need orders and receipt history	Upload orders + 6–12 months payment history
Over price cap	Ineligible for FirstHome/HomeAccess	Renegotiate or shift to Roots/USDA/VA/184

Sources: NDHFA “Ready to Buy a Home?”, Program FAQs, eHome ND. (ndhfa.org)

FAQs — North Dakota, single‑mom specific

How much down payment help can I actually get with NDHFA in 2025?
Expect about 3% of your first‑mortgage amount as a credit through DCA or Start when you qualify; it covers down payment, closing costs, and prepaids. NDHFA “Ready to Buy a Home?”, Lender page, Program FAQs. (ndhfa.org)
Do income limits change often?
Yes—NDHFA and the ND Industrial Commission update limits regularly; current FirstHome/HomeAccess income caps are $93, 500 an d$ 110,000, effective June 1, 2025. Income & price limits, Industrial Commission update, NDHFA news. (ndhfa.org)
Is there anything special for single parents?
HomeAccess recognizes single‑parent households with a dependent child at least 50% of the time, which can help if you owned a home in the last three years. NDHFA “Ready to Buy a Home?”, Real‑estate agent program page, Program news summary. (ndhfa.org)
Can NDHFA assistance be used with a duplex?
Yes, DCA/Start allow 1–2 units if you occupy one unit; 3–4 units are not eligible for DCA/Start. Income/price limits page (unit note), Program FAQs, Lender page. (ndhfa.org)
What if I’m buying in a targeted census tract?
Targeted areas can waive some first‑time buyer rules under certain loans; your lender/agent can check census tracts in Cass or Sioux that NDHFA lists. NDHFA agent page (targeted tracts), NDHFA “Ready to Buy a Home?”, Industrial Commission notes. (ndhfa.org)
Does funding ever run out?
NDHFA coordinates assistance through participating lenders; individual pots can be limited by timing and bond allocations—apply early and keep your file complete. NDHFA partners news, Program FAQs, NDHFA news. (ndhfa.org)
Can I use Section 8 to buy a home?
Some PHAs allow vouchers to support mortgage payments under HUD’s HCV Homeownership option; ask your local PHA whether they offer it. HCV Homeownership, Fargo Housing HCV, HUD ND homeownership page. (hud.gov)
I’m Native—should I look at Section 184 or NDHFA?
Run both; Section 184 can lower down payment and broaden approval; NDHFA can be competitive on rates and may fit better off‑reservation—compare same‑day quotes. HUD Section 184, NDHFA overview, Tribal contacts. (hud.gov)
What if my lender seems to be stalling or not transparent?
Ask for a supervisor, request a revised Loan Estimate, and if needed complain to the CFPB (they usually trigger a response in about 15 days). CFPB contact/complaints, How complaints work, Your rights/timing. (consumerfinance.gov)
Can I get help with repairs after I buy?
Look at Community Action Weatherization and NDHFA’s Helping HAND grants distributed to local groups; ask your city about rehab loans. Weatherization program, Helping HAND grants (2025), Bismarck NRI. (commerce.nd.gov)
Who regulates utilities if I’m facing disconnection during the loan process?
The Public Service Commission can intervene while you set a payment plan; call 701‑328‑2400 if your provider won’t work with you. PSC consumer info, PSC contact, PSC disconnection brochure. (psc.nd.gov)

Tables — who to contact for help while you apply

Need	Contact	Phone
NDHFA program questions	NDHFA contact	1-800-292-8621
HUD counseling	HUD North Dakota	1-800-569-4287
USDA Rural Development	USDA RD ND State Office	1-701-530-2037
VA Home Loans	VA Home Loans info	1-877-827-3702
FirstLink 2‑1‑1	FirstLink “Get Help Now”	2‑1‑1 or 1-701-235-7335

(ndhfa.org)

Spanish quick summary (resumen en español)

Esta sección es un resumen en español de los pasos clave, traducido con herramientas de IA para su conveniencia; confirme detalles con las páginas oficiales enlazadas.

Programas estatales: NDHFA ofrece ayuda para el pago inicial y costos de cierre mediante DCA y Start (generalmente 3% del préstamo); verifique límites de ingresos y precio de vivienda vigentes. Programas de NDHFA, Límites de ingresos/precio, Preguntas frecuentes. (ndhfa.org)
Clases y prestamistas: Tome la clase de comprador de vivienda (eHome America) y llame a un prestamista participante de NDHFA para precalificación y cierre; pida ayuda en español donde esté disponible. eHome ND, Buscar prestamista NDHFA, HUD Consejería. (ehomeamerica.org)
Otras opciones: Compras en zonas rurales (USDA 502, 0% de enganche), préstamos VA (veteranas), y Section 184 (compradoras Nativo‑Americanas). USDA RD ND, VA Home Loans, HUD Section 184. (rd.usda.gov)

About this guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

Last verified September 2025, next review April January 2026.

This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed. Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

Disclaimer

Purpose: This article is general information for North Dakota residents and is not legal, tax, or financial advice. HUD North Dakota, NDHFA, CFPB.

Availability: Program rules, rates, and funding can change; always call to confirm current availability before applying. NDHFA contact, Income/price limits page, Industrial Commission updates. (ndhfa.org)

Fair housing: Discrimination is illegal; you can get help. High Plains Fair Housing, HUD complaint resources, ND Attorney General Consumer Protection. (highplainsfhc.org)

Tip: When you contact any office, write down names, dates, and the plan you agreed on. If something stalls, escalate early. You’re doing the right things—keep the momentum going.

Learn more:

🏛️More North Dakota Resources for Single Mothers

Explore all assistance programs in 34 categories available in North Dakota

Home Buyer Down Payment Grants for Single Mothers in North Dakota

Home Buyer Down Payment Grants for Single Mothers in North Dakota

If You Only Do 3 Things — Emergency Actions to Take

Quick help — key numbers and links to keep handy

How North Dakota’s down payment help works this year

Quick comparison table — NDHFA purchase assistance and mortgages

How much can you get in North Dakota, and what are this year’s limits?

Step‑by‑step: how single moms in North Dakota can apply without wasting time

Application checklist you can screenshot

Quick reference cheat sheet

Eligibility rules — what NDHFA checks first

Required documents — how to avoid back‑and‑forth delays

Table — income and price caps (effective today)

Real‑world examples — what approval looks like

Common mistakes to avoid (and how to fix them)

Reality check — funding, rates, and delays

Diverse communities — targeted pointers and contacts

How to stop a utility shutoff in North Dakota today

Resources by region — where to call near you

Other programs to pair with your home purchase

Table — expected timelines and what you can do

Local organizations, charities, churches, and support groups

Troubleshooting — if your application gets denied

Table — documents most likely to trigger a “conditions” delay and the fix

FAQs — North Dakota, single‑mom specific

Tables — who to contact for help while you apply

Spanish quick summary (resumen en español)

About this guide

Disclaimer

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