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North Dakota USDA Home Loan

The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information.

North Dakota USDA Home Loan Location Eligibility

The North Dakota USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties. - 

 north-dakota-usda-home-loans

Burleigh Cass Grand Forks Morton Ward
*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page. - - - - -

Step 1 - Calculate your qualifying income based on the USDA income guidelines.

Adjusted Gross Income Calculator

STEP 1 - Determine your Income
What is the combined gross annual income of all applicants?
STEP 2 - Determine your Deductions
How many children under the age of 18 live in the home?
How many disabled or handicapped individuals who are not the applicant or co-applicant live in the home?
How many full time students 18 years of age or older live in the home?
How many people 62 years of age or older live in the home?
What are the documentable medical expenses for family members 62 years of age or older living in the home?
What are the documentable childcare expenses for children 12 years of age or older living in the home?
  
Your Household's Adjusted Gross Income

 

Step 2 - Refer to the table below to see if your income falls within the UDSA guidelines.

North Dakota USDA Home Loan Income Eligibility

The North Dakota USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household. The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information. 

 

Location 1 to 4 5 to 8   Location 1 to 4 5 to 8   Location 1 to 4 5 to 8
Bismarck, ND $76,850 $101,450 Foster County, ND $73,600 $97,150 Richland County, ND $73,600 $97,150
Fargo, ND-MN $78,400 $103,500 Golden Valley County, ND $73,600 $97,150 Rolette County, ND $73,600 $97,150
Grand Forks, ND-MN $73,600 $97,150 Grant County, ND $73,600 $97,150 Sargent County, ND $73,600 $97,150
Adams County, ND $73,600 $97,150 Griggs County, ND $73,600 $97,150 Sheridan County, ND $73,600 $97,150
Barnes County, ND $73,600 $97,150 Hettinger County, ND $73,600 $97,150 Sioux County, ND $73,600 $97,150
Benson County, ND $73,600 $97,150 Kidder County, ND $73,600 $97,150 Slope County, ND $73,600 $97,150
Billings County, ND $73,600 $97,150 LaMoure County, ND $73,600 $97,150 Stark County, ND $73,600 $97,150
Bottineau County, ND $73,600 $97,150 Logan County, ND $73,600 $97,150 Steele County, ND $73,600 $97,150
Bowman County, ND $73,600 $97,150 McHenry County, ND $73,600 $97,150 Stutsman County, ND $73,600 $97,150
Burke County, ND $73,600 $97,150 McIntosh County, ND $73,600 $97,150 Towner County, ND $73,600 $97,150
Cavalier County, ND $73,600 $97,150 Oliver County, ND $73,600 $97,150 Traill County, ND $73,600 $97,150
Dickey County, ND $73,600 $97,150 Pembina County, ND $73,600 $97,150 Walsh County, ND $73,600 $97,150
Divide County, ND $73,600 $97,150 Pierce County, ND $73,600 $97,150 Ward County, ND $73,600 $97,150
Dunn County, ND $73,600 $97,150 Ramsey County, ND $73,600 $97,150 Wells County, ND $73,600 $97,150
Eddy County, ND $73,600 $97,150 Ransom County, ND $73,600 $97,150 Williams County, ND $73,600 $97,150
Emmons County, ND $73,600 $97,150 Renville County, ND $73,600 $97,150
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