Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in North Dakota

Quick answer

FHA loans in North Dakota require 3.5% down with a 580+ credit score; on a $241,100 home that's about $8,439. County FHA limits start at $541,287 for one-unit homes in lower-cost areas.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

FHA loan snapshot for North Dakota

ItemEstimate
Minimum down payment3.5%
Minimum credit score580
Typical ND home value$241,100
3.5% down on typical home$8,439
20% down on typical home$48,220
Avg. effective property tax0.99%/yr (~$199/mo)
Income for typical home (31% rule)$76,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which North Dakota programs pair with FHA loans?

  • FirstHome: Below-market-rate loans for first-time buyers.
  • Down Payment and Closing Cost Assistance (DCA): Deferred assistance for eligible buyers using an NDHFA first mortgage.

Details and current limits: North Dakota Housing Finance Agency (NDHFA).

Who is an FHA loan best for?

FHA is designed for buyers with modest savings or credit that's still being built. Because the government insures the lender against loss, lenders can approve borrowers they might otherwise decline.

  • Credit scores between 580 and 680.
  • Debt-to-income ratios up to about 50% with compensating factors.
  • Buyers using gift funds for the entire down payment.
  • Buyers who had a bankruptcy 2+ years ago or foreclosure 3+ years ago.

How much does FHA mortgage insurance cost?

The upfront premium (UFMIP) is 1.75% of the base loan amount and is usually rolled into the loan. The annual premium for most 30-year loans is 0.55% of the balance, paid monthly. With less than 10% down, annual MIP lasts for the life of the loan; with 10% or more, it ends after 11 years. Many owners later refinance into a conventional loan to drop MIP.

FHA loans in North Dakota cities

FHA in FargoFHA in BismarckFHA in Grand ForksFHA in MinotFHA in West FargoFHA in WillistonFHA in DickinsonFHA in MandanFHA in Jamestown

Frequently asked questions

Yes. FHA loans are available statewide in North Dakota through approved lenders, subject to county loan limits where they apply.

Often yes. North Dakota Housing Finance Agency (NDHFA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve North Dakota.

Get matched with FHA lenders in North Dakota

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.