North Dakota Mortgage Guides 2026
This complete North Dakota mortgage guide covers 2026 FHA loan limits across all 53 counties, North Dakota Housing Finance Agency loans and 3% down payment assistance, USDA income limits county by county, VA guidance including Minot and Grand Forks Air Force Bases, and a closing cost breakdown for a state with no real estate transfer tax — in one place.
Everything You Need for a North Dakota Home Purchase
Six in-depth guides covering every stage of buying a home in North Dakota — from choosing a loan program to knowing exactly what you will pay at the closing table.
North Dakota Mortgage Guide
FHA and conforming loan limits for all 53 counties, a side-by-side loan program comparison, North Dakota property taxes, why the state has no transfer tax, and how its metro areas shape your financing options.
Read guide →North Dakota First-Time Home Buyer Guide
NDHFA’s FirstHome, HomeAccess and North Dakota Roots programs, the 3% Start and DCA down payment and closing cost assistance, 2026 income and purchase price limits, and how the assistance is repaid.
Read guide →North Dakota FHA Loan Requirements
2026 FHA limits for all 53 North Dakota counties, one-to-four unit figures, HUD’s credit and minimum investment rules, how FHA mortgage insurance works, and how FHA pairs with NDHFA programs.
Read guide →North Dakota VA Loan Requirements
VA entitlement and why full entitlement carries no county loan cap, the 2026 funding fee tables and exemptions, Minot and Grand Forks Air Force Bases, and how VA pairs with NDHFA programs.
Read guide →North Dakota USDA Loans
FY2026 USDA income limits for every North Dakota county and metro area, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →North Dakota Closing Costs Guide
Why North Dakota charges no transfer tax, the statewide recording fees, the full-consideration statement on deeds, what the Insurance Department says about title insurance, and a fee-by-fee breakdown for buyers and sellers.
Read guide →Key North Dakota Mortgage Guide Facts
FHA Loan Limits (2026)
- All 53 counties, one unit: $541,287
- Two units: $693,050
- Four units: $1,041,125
- Conforming limit, all counties: $832,750
- HUD FHA mortgage limits lookup
Down Payment Assistance
- NDHFA Start and DCA: 3% of the first mortgage
- For down payment, closing costs and prepaids
- Repayment terms may apply if you sell or refinance early — confirm with NDHFA
- $500 minimum borrower contribution
- North Dakota Housing Finance Agency
Property Taxes
- Est. effective rate: 0.99%
- Median annual real estate tax bill: $2,468
- Median owner-occupied home value: $249,900
- Census ACS 2020–2024 5-year table B25103
Closing Cost Highlights
- Real estate transfer tax: none
- Recording, 1–6 pages: $20
- Recording, more than 6 pages: $65, plus $3 per page after 25
- N.D. Const. art. X, § 27
Buying or Refinancing in North Dakota?
Every North Dakota county shares the same $541,287 FHA limit and $832,750 conforming limit, and the state charges no transfer tax. What changes from buyer to buyer is which NDHFA program you qualify for, whether the 3% assistance fits, and your county’s USDA income limit.
- ✓ Confirm current programs and limits at North Dakota Housing Finance Agency
- ✓ Check FirstHome income and purchase price limits before you shop
- ✓ Look up your county’s USDA income limit if you are buying outside the metros
- ✓ Compare NDHFA assistance against a straight FHA or USDA loan
Coming soon · No obligation · Educational first
North Dakota Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. North Dakota is on our expansion list. In the meantime, our North Dakota guides and the official program links above have everything you need to research your purchase.
Join the North Dakota Waitlist