Grants directory
North Dakota Roots
North Dakota Housing Finance Agency · State program
Loan amount capped by current Fannie Mae/Freddie Mac conforming loan limits or insurer/guarantor limits
NDHFA’s North Dakota Roots program offers mortgage loans for borrowers whose income is above the limits for FirstHome or HomeAccess. The page says there are no income or purchase price limits, but the loan amount is capped by conforming loan or insurer/guarantor limits.
Program details
How it works
North Dakota Roots is an NDHFA mortgage loan program available through participating lenders. The page does not describe a separate grant or assistance payment; it identifies the program as a loan product.
What the money covers
The page does not specify covered expenses beyond the mortgage loan itself.
Amounts and matching
The maximum Roots loan amount must comply with the current Fannie Mae/Freddie Mac conforming loan amount or the limits of the applicable loan insurer/guarantor. The page does not give a dollar amount or matching requirement. All NDHFA programs require a $500 out-of-pocket cash investment.
How to apply
Borrowers should contact an NDHFA participating lender. The lender handles the loan process.
Timing and deadlines
No deadline is stated.
Other notes
The page says households whose income exceeds the limits of FirstHome and HomeAccess may qualify for assistance through North Dakota Roots.
Full eligibility details
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