For buyers with higher incomes or relocating to ND. Below-market rate or market rate + DPA.
North Dakota's Roots program targets relocators — people moving to North Dakota for employment. As the state's economy diversifies beyond energy into tech, healthcare, and manufacturing, attracting workers requires affordable housing options.
The program provides DPA for buyers who may not have existing savings in the area. For companies recruiting talent to Fargo's growing tech scene or Bismarck's expanding healthcare sector, the Roots program helps close the deal by making homeownership immediately accessible.
No FTB requirement. Designed for people relocating to North Dakota.
We'll show you how to combine NDHFA North Dakota Roots with other programs to maximize your free money — personalized to your ZIP code and income.