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Dakota Center for Independent Living

Housing Issues in North Dakota Spark Changes to the Roots Housing Program

Affordable housing is a major issue in North Dakota. The North Dakota Industrial Commission has approved changes to the North Dakota Roots Program (Roots) to help more state residents become homeowners. The program is administered by the North Dakota Housing Finance Agency (NDHFA).

The rules for eligibility have been altered so that any North Dakota household earning up to 140 percent of the area median income to access NDHFA’s affordable interest rate loans, and down payment and closing cost assistance.

By removing the restrictions on the Roots program, more individuals and families qualify for home purchase assistance from the North Dakota Housing Financing Agency. It is said the new Roots program will be popular with moderate income households that need down payment assistance to move from renting to home ownership.

The maximum income limits for the Roots program are $97,440 to $110,600 depending on where the financed home is located. The Roots loan amount must comply with the current Fannie Mae/Freddie Mac conforming loan amounts or the limits of the applicable loan insurer/guarantor.

Housing Forum Invite
You’re invited to the housing forum!

If you are affected by a housing issue and live in North Dakota, we’d love to hear from you. The Dakota Center for Independent Living is holding a Housing Forum on September 10th from 1-5 pm. If you’d like to attend, please RSVP by calling Royce at 222-3636.











For more information on the Roots Program, contact the North Dakota Housing Finance Agency:

2624 Vermont Avenue
PO Box 1535
Bismarck, ND 58502
701-328-8080 or  800-292-8621