National Housing Trust Fund (HTF)

National Housing Trust Fund (HTF) is sponsored by North Dakota Housing Finance Agency (NDHFA). This program supports the development and preservation of affordable rental housing for extremely low-income households, including those experiencing homelessness.

Project Financing | ND Housing Multifamily New Construction or Rehabilitation The federally funded HOME Investment Partnerships Program (HOME) helps states and communities address their most pressing housing challenges. In North Dakota, the program is used to provide homeownership assistance and rental production/assistance for low-income households.

Funding applications can be submitted by local, state and tribal governments; local and tribal housing authorities; developers; and nonprofit Community Housing Development Organizations.

2026 Allocation Plan pending HUD approval Universal Design Standards 2025 All NDHFA-Funded Projects 2024 All NDHFA-Funded Projects 2023 All NDHFA-Funded Projects 2022 All NDHFA-Funded Projects Multifamily Programs Application 2021 Annual Action Plan Final Amendment HOME and Housing Trust Fund Homeownership Value Limits CHDO Operating Grant Program Guidelines SFN 62392 CHDO Operating Grant Application Past Distribution Statements and Allocation Plans 2024 Draft Allocation Plan 2022 HOME Program Distribution Statement Analysis of Impediments to Fair Housing Choice Build America, Buy America Citizen Participation Plan Consolidated Plan/Action Plan Environmental Review Guide for Applicants 24 CFR Part 92, HOME Federal Regulations HUD Exchange – HOME Investment Partnerships Program Lead Based Paint Policy and Procedures Minimum Rehab and Property Standards Section 3 Compliance Plan SFN 62340 Section 504 Self-Evaluation Uniform Relocation Assistance and Real Property Acquisition Policies Act Violence Against Women Act The North Dakota Housing Incentive Fund (HIF) supports the development of affordable multifamily housing units for low- to moderate-wage workers, the state’s aging population, individuals with disabilities, and persons at-risk of homelessness.

Local, state and tribal governments; local and tribal housing authorities; community action agencies; regional planning councils; and non-profit and for-profit developers are all encouraged to explore developing with HIF.

Universal Design Standards Multifamily Programs Application 2025 All NDHFA-Funded Projects 2024 All NDHFA-Funded Projects 2023 All NDHFA-Funded Projects 2022 All NDHFA-Funded Projects The National Housing Trust Fund (HTF) is a federal program, administered by the states, to support the development and preservation of affordable rental housing for extremely low-income households, including homeless individuals and families.

The organization or agency that submits an application to NDHFA for funds to carry out the HTF project must be an eligible recipient. Eligible recipients include units of local, state, and tribal government; local and tribal housing authorities; community action agencies; regional planning councils; nonprofit organizations, and for-profit developers.

2026 Allocation Plan pending HUD approval Universal Design Standards HOME and Housing Trust Fund Homeownership Value Limits Multifamily Programs Application 2022 Allocation Plan and Request for Proposals 2025 All NDHFA-Funded Projects 2024 All NDHFA-Funded Projects 2023 All NDHFA-Funded Projects 2022 All NDHFA-Funded Projects Analysis of Impediments to Fair Housing Choice Build America, Buy America Environmental Review Guide for Applicants Environmental Review Policies and Procedures Environmental Review Requirements Lead Based Paint Policy and Procedures Minimum Rehab and Property Standards Section 3 Compliance Plan Uniform Relocation Assistance and Real Property Acquisition Policies Act Violence Against Women Act Low Income Housing Tax Credit Program The Low Income Housing Tax Credit (LIHTC) program provides an incentive for the production or rehabilitation of affordable rental housing.

Property owners receive federal income tax credits for up to 10 years based on capital investment and level of commitment to low-income tenancy. Developers of qualified low-income housing, as defined by the Internal Revenue Code (Section 42) may apply. To learn more about Low Income Housing Tax Credits, download the Program Template.

LIHTCs are awarded annually through a competitive application process according to NDHFA’s Qualified Allocation Plan.

Universal Design Standards Multifamily Programs Application 2025 All NDHFA-Funded Projects 2024 All NDHFA-Funded Projects 2023 All NDHFA-Funded Projects 2022 All NDHFA-Funded Projects Minimum Rehab and Property Standards Violence Against Women Act Single-Family New Construction or Rehabilitation Community Land Trust Pilot Provides local Community Land Trust with a low-cost line of credit to create more single-family housing for low-to moderate-income households.

Eligible uses include the acquisition, rehabilitation, demolition and/or new construction of homes on in-fill lots and in higher density neighborhoods for resale to income-qualified households. To apply, complete this checklist. Construction Loan Guarantee NDHFA provides Construction Loan Guarantees to lenders for contractors who build or rehabilitate affordable single-family housing in rural communities on a speculative basis.

The community in which the housing is being built must have a population of less than 35,000 and be more than 10 miles from another community with a population of 35,000 or more. There must be a demonstrated need for affordable housing in the community and the local governing body must support the construction. The anticipated sale price of the homes must not exceed the currently published FHA Mortgage limits.

At no time shall more than $500,000 in guarantees be outstanding in any one community or to any one contractors. Please contact us to determine that funds are available. Helping Housing Across North Dakota (Helping HAND) supports the needs of lower-income households through grants to targeted single-family housing rehabilitation programs.

Helping HAND funding is available to non-profit organizations by invitation from NDHFA. Program assistance is not directly available to individuals or families.

Helping HAND Policy and Procedure Manual Helping HAND Program Criteria SFN 62532 Housing Contract Provision SFN 52025 Request for Fund Disbursement SFN 60406 Project Verification SFN 62757 Project File Checklist The federally funded HOME Investment Partnerships Program (HOME) helps states and communities address their most pressing housing challenges.

In North Dakota, the program is used to provide homeownership assistance and rental production/assistance for low-income households. Funding applications can be submitted by local, state and tribal governments; local and tribal housing authorities; developers; and nonprofit Community Housing Development Organizations.

SFN 54278 Owner-Occupied Rehab Application Final Grant Closeout Report SFN 52355 Request for Amendment SFN 52654 Section 106 Clearance SFN 53000 Floodplain Clearance SFN 54918 Financial Status Report SFN 61021 Homeowner Rehabilitation Set Up SFN 61323 Semi-Annual Progress Report SFN 61384 Homeowner Rehabilitation Declaration of Lien Interest SFN 62106 Receipts Worksheet SFN 62107 Homeowner Rehab Authorization to Proceed SFN 62443 NSPIRE Owner-Occupied Rehabilitation Checklist SFN 62456 Request for Funds SFN 62754 Homeowner Rehabilitation Lead Compliance Worksheet SFN 62755 Homeowner-Occupied Rehabilitation Major Systems Inspections Checklist SFN 62756 Homeowner Rehabilitation Project File Checklist Zero Income (provided by NCSHA) Sample Citizenship Declaration (HUD Exhibit 3-5) Sample Verification Consent (HUD Exhibit 3-6) Homeowner Rehabilitation Policy and Procedure Manual In 2023, the legislature added the eligible activity new construction, rehabilitation, preservation, or acquisition of a single-family housing project in a developing community or a community land trust project.

Local, state, and tribal government; local and tribal housing authorities; community action agencies; regional planning councils; and nonprofit organizations and for-profit developers are all encouraged to explore developing with HIF.

HIF Single-Family Allocation Plan SFN 62451 HIF Single-Family Housing Application Rehab Accessibility Program The Rehab Accessibility Program (RAP) offers grant dollars for the renovation of properties occupied by lower-income North Dakotans with physical disabilities. Examples of qualifying renovations include the installation of ramps, door levers, walk-in/roll-in showers, grab bars and the widening of doorways.

Eligible grant recipients are households with an income equal to or less than 50 percent of the county median income adjusted for family size. Grant recipients must certify their household income at the time of the application. Project costs not directly attributable to lower-income rental households may be prorated for grant eligibility based on the percentage of eligible units to total project units.

The project must be completed and certification received by NDHFA within six months of the grant award. The final award is contingent upon costs meeting those included in the application. It is very important that ALL the information on the checklist is submitted at time of application.

Applications will not be processed until all information is submitted.

RAP Application Checklist SFN 58343 RAP Application SFN 60407 Project Certification SFN 60408 1040 Method Income Certification Exemption from Property Taxation To enhance affordable housing options throughout the state, North Dakota offers projects owned and controlled by a nonprofit or political subdivision an exemption from property taxation during their period of affordability.

NDHFA certifies and monitors annual compliance for any parcel seeking exemption under NDCC Section 57-02-08(43) . The parcel’s respective property tax assessing municipality implements the exemption.

A property may be eligible for the exemption if it is subject to and in compliance with a land use restriction agreement that enumerates mandatory income and rent restrictions and the property is owned and/or controlled by a qualified 501(c)(3) nonprofit entity or political subdivision. Complete and submit to NDHFA an Exemption from Property Taxation Application with all required supporting documents.

SFN 61058 Exemption from Property Taxation Application The HOME Investment Partnerships American Rescue Plan Program (HOME-ARP) provides funding to HOME Participating Jurisdictions to reduce homelessness and increase housing stability across the country.

Request for Proposal 2026 HOME-ARP Non-Congregate Shelter 2021 Annual Action Plan Final Amendment Analysis of Impediments to Fair Housing Choice Build America, Buy America Consolidated Plan/Action Plan HUD Exchange – HOME Investment Partnerships American Rescue Plan Lead Based Paint Policy and Procedures Minimum Rehab and Property Standards Section 3 Compliance Plan Uniform Relocation Assistance and Real Property Acquisition Policies Act Violence Against Women Act HOME Community Land Trust Homebuyer Assistance Program (CHAP) The federally funded HOME Investment Partnerships Program (HOME) helps states and communities address their most pressing housing challenges.

As part of the HOME program, NDHFA provides funding to community land trusts to assist low-income homebuyers to achieve homeownership that is affordable and sustainable. Currently, the program is available through the Minot and Grand Forks Community Land Trusts.

Community Land Trust Homebuyer Assistance Program (CHAP) Policy and Procedure Manual SFN 62232 CHAP Declaration of Lien Interest-Resale-Grand Forks Homebuyer Written Agreement Grand Forks SFN 62685 Program Administration Checklist SFN 62686 Project File Checklist SFN 62695 CHAP Homebuyer DPA Underwriting Tool SFN 62696 CHAP Declaration of Lien Interest-Resale-Minot Homebuyer Written Agreement Minot HOME Program Rider to Community Land Trust Ground Lease HOME Set Up and Completion Form (HUD) Housing Market Survey Grants The Housing Market Survey Grant program helps pay for an analysis of a community’s current and future housing needs.

Grants are equal to 50 percent of the cost of a market survey not to exceed $5,000. Eligible applicants include communities or non-profit organizations representing or working in partnership with communities. Communities must meet the USDA Rural Development definition of rural – having a population of 35,000 or less.

NDHFA is not accepting Housing Market Survey Grant Applications at this time.