North Dakota

North Dakota Housing Finance Agency

NDHFA is self-supporting and mission-driven to make housing affordable for all North Dakotans. We offer home financing to low- to moderate-income families, ensure the availability of rental housing for households of modest means, and focus on the overall housing needs of our state’s communities.

Relationship to the State Government: Under ND Industrial Commission 

Current Staff Size: 46

Visit NDHFA's Website


NDHFA is established



NDHFA creates the Helping Housing Across North Dakota (Helping HAND) program



NDHFA purchased 2,010 home loans



NDHFA joins with two other organizations to form the Mountain Plains Equity Group, Inc



NDHFA launched a Rural Housing Investment Incentive Pilot Program


Total Financing Provided


Renters Served Since 1981


Homeowners Served Since 1981

Signature Program


The FirstHome program provides low-to moderate-income, first-time homebuyers with low-cost financing, including down payment and closing cost assistance. By only requiring only $500 down, homeownership is more accessible to a broad spectrum of North Dakotans.

Homeowners Served: 47,000

Future Focus


David A. Flohr

“As North Dakota’s housing needs evolve, so do the supports provided by NDHFA. NDHFA provides expanded housing choices for our state’s most vulnerable populations – helping older North Dakotans age in place and providing accessible housing for households with disabilities and permanent supportive housing for those at risk of homelessness.”

Success Stories
Dorothy Alemadi
Rehab Accessibility Program (RAP)


Fargo, ND

‘Freedom’ is the word Dorothy Alemadi used when describing accessibility. More than 30 years on her feet forced her into retirement and left her unable to go up and down steps. She considered selling her house, but that would have required her to rent and increased her living expenses. She learned about NDHFA’s RAP Program and used it to turn an unused main floor bedroom into a laundry room. “RAP was a Godsend,” said Alemadi. “It has allowed me to stay in my home.”

Crystal Bailly
Grand Forks Community Land Trust


Grand Forks, ND

Crystal Bailly was a single parent to four children, college-educated, and worked as a manager in a retail store, yet owning a home seemed unrealistic due to the housing market. A newly created Community Land Trust program provided an affordable housing option to Crystal. “It really is a wonderful program that can help change a family’s future. I love being a homeowner and having that ownership and feeling like my money is going towards something valuable and tangible” she said. 

George ‘Hoppy’ Vogel
Housing Incentive Fund


Bowman, ND

Many take for granted the little luxuries of having a place of our own, like a kitchen for cooking a spacious bed for sleeping. George Vogel lived in a state-run institution for 30 years before moving into a group home for people with intellectual and developmental disabilities. A new affordable multifamily housing project was built in a rural community, and nine of the units were prioritized for tenants like George, who is now in his 70s, to live independently with in-home support.

The Edge Artist Flats in downtown, Fargo, ND.
Meadowlark Homes, located in rural New Rockford, ND.
Jeremiah Program helping single mothers progress into prosperity.
NDHFA volunteered to help with cleanup after the 2011 Souris River flood.
Century Cottages ground breaking in Bismarck, ND.