North Dakota USDA Loans
My state-specific information
Eligibility Requirements – North Dakota
Looking for a new home in North Dakota? A loan from the USDA may be just the thing for you. USDA loans have flexible credit guidelines, competitive, fixed interest rates, and require no down payment or qualifying assets. Plus, for a family of 1-4 in North Dakota, the average household income limit for a USDA loan is about $124,500, and can be as high as $197,750 for a family of 5 or more. To find out more, fill out the form above and get in touch with one of our USDA loan specialists.
This map shows the areas of North Dakota that qualify for USDA loans. For more information on qualifying areas, head to the USDA property eligibility screen.
North Dakota USDA Income Limits (Moderate Income – Guaranteed Loan)
North Dakota has multiple income limits depending on the area. Many counties and metro areas have increased limits above the national standard.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Grand Forks, ND-MN MSA | $124,500 | $164,350 |
| McHenry County, ND HUD Metro FMR Area | $124,500 | $164,350 |
| Renville County, ND HUD Metro FMR Area | $124,500 | $164,350 |
| Ward County, ND HUD Metro FMR Area | $129,150 | $170,500 |
| Fargo, ND-MN MSA | $132,950 | $175,500 |
| Billings County, ND | $133,550 | $176,300 |
| McKenzie County, ND | $135,900 | $179,400 |
| Bismarck, ND MSA | $136,300 | $179,950 |
| Divide County, ND | $136,400 | $180,050 |
| Foster County, ND | $139,950 | $184,750 |
| Traill County, ND | $140,150 | $185,000 |
| Burke County, ND | $145,600 | $192,200 |
| Dunn County, ND | $149,800 | $197,750 |
USDA income limits in North Dakota are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your North Dakota USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout North Dakota. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in North Dakota.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your North Dakota USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – North Dakota
