North Dakota Housing Reinstatement Program (HRP)

The State of North Dakota will provide a mortgage and utility reinstatement program grants for North 

Dakota homeowners affected by the coronavirus pandemic. The program will cover delinquent 

payments, payments to satisfy secondary liens from loss mitigation options, such as, but not limited to, 

an FHA partial claim, and expenses related to past due, disconnection, reconnection and deposits for 

water, sewer, gas, oil, electricity, garbage, delinquent property tax, special assessments, lot rent, and 

homeowner/condo association fees.

All payments will be made directly to the homeowner(s)’ mortgage loan servicer, utility provider, and 

other entities that would process payments for the expenses listed.

HRP Summary Guidelines

1. Program

Overview

• HRP offers grant assistance for partial or full reinstatement of a delinquent first 

mortgage (including a forborne amount), junior liens, or other mortgage related

expenses.

• HRP will also pay past due water, sewer, gas, oil, electricity, and garbage.

• HRP may pay past due property taxes if not escrowed as part of a mortgage.

• Funds may be used to repay arrears that accrued before January 21, 2020.

2. Program

Goal

• To help North Dakota homeowners avoid foreclosure (mortgage or tax) and/or 

utility service cancellation by mitigating financial hardships related to the Covid19 pandemic.

3. Target

Population

• North Dakota homeowners having incomes equal to or less than

150% of the area median income.

o 60% of homeowners must have incomes equal to or less than 100% of the

area median income

o Priority will be given to Socially Disadvantaged Individuals as defined in 13

CRF 124.103.

4. Borrower

Eligibility

Criteria

To be eligible, homeowners must:

• Have experienced a financial hardship (material loss of income or material 

increase in expenses) after January 21, 2020 related to the Covid-19 pandemic.

• Have income equal to or less than 150% area median income.

• Own and occupy the property for which they seek assistance as their primary

residence.

• Submit a hardship affidavit as explanation of a material reduction of household

income or material increase in household expenses.

5. Property

Eligibility

Criteria

Owner occupied, North Dakota properties:

• One-to-four family (two to four unit must have a unit owner occupied with 

tenants in other units)

• Condominiums

• Manufactured homes 
6. Structure

of Assistance

HRP provides one-time lump sum mortgage and utility reinstatement assistance grant 

for eligible homeowners. Loans in forbearance are eligible. Assistance can be used to 

pay, but may not be limited to:

• Principal and interest payments

• Property Taxes

• Homeowner’s Insurance and Flood Insurance

• Homeowner Association fees

• Attorney’s fees

• Tax liens or other liens related to the property

• Special assessments

• Lot rents for manufactured homes

• Delinquent junior liens

• Water, home energy, electricity, and garbage balances

*Note: If it is available to them, applicants will be encouraged to utilize LIHEAP for 

utility assistance before HAF funds will be used for utility assistance.

7. Per 

Household 

Assistance

Up to $40,000 of grant assistance is available. Based on average mortgage payments 

in North Dakota from data provided by mortgage servicers.

8. Duration 

of Assistance

Assistance is available to cover outstanding expenses from January 21, 2020 through 

the date of application, up to 24 months of eligibility.

9. Program 

Time Period

October 1, 2021 until September 30, 2025 or until program funds are exhausted.