ND — North Dakota
North Dakota Mortgage Guide
Low unemployment and energy sector strength support steady buyer demand.
2024 Conforming Limit
$766,550
Avg 30yr Fixed Rate
6.80%
VA Friendly
No
First-Time Buyer Program
Bank of North Dakota Flex STAR
North Dakota offers down payment assistance (DPA) for qualifying buyers. Contact a participating lender or your state housing finance authority for current income limits and program availability.
Understanding Your Conforming Limit
The 2024 FHFA conforming loan limit for North Dakota is $766,550. Loans at or below this amount qualify as conforming loans, which typically carry lower interest rates and require less documentation than jumbo loans.
Loans above $766,550 require jumbo financing, which typically requires a 10–20% down payment and a credit score of 700+.
Popular Loan Types in North Dakota
Find a North Dakota Lender
Compare rates from lenders licensed in North Dakota — no commitment required.