North Dakota Homeowner Assistance Fund Home Repair Program (HAFHR)

Grants will be available to eligible homeowners with home repair needs that affect the ongoing 

habitability of their home. Eligible repairs would include housing rehabilitation of core residential 

systems, including roofing, soffit/fascia/gutters, drainage and runoff management, electrical and 

plumbing systems, and foundations. Funds can also be used to make environmental modifications and 

improvements to accessibility in the home as these factors are critical to maintenance of habitable, 

stable housing. Other requests would be considered and approved based on the applicant’s unique 

situation. 

Home Repair projects will be funded up to $30,000 per applicant. The total amount of Homeowner 

Assistance Fund for each household for all requests (i.e., home repair and mortgage/utility/housing cost 

assistance), shall not exceed the established program cap of $40,000 per household. 

The scope of the home repair work will be determined by a qualified housing rehab specialist and 

approved by HAF staff. Funds may be used in conjunction with other home repair / home modification 

programs to help assure a comprehensive scope of work to address habitability needs. Work will be 

completed as per state and local building codes. Payments will be made directly to contractors.

HAFHR Summary Guidelines

1. Program Overview The HAFHR offers grant assistance to help homeowners who have

experienced a financial hardship (material loss of income or material increase 

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

HAFHR will offer grant assistance to eligible homeowners with home repair 

needs that affect the ongoing habitability of their home. HAFHR will provide 

up to $30,000.

2. Program Goal To help North Dakota homeowners avoid foreclosure by mitigating financial

hardships related to the Covid-19 pandemic.

3. Target Population North Dakota homeowners having incomes equal to or less than

80% of the area median income. 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 after January 21, 2020 related to

the Covid-19 pandemic.

• Have income equal to or less than 80% 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 that are:

• One-to-four family (renters in non-owner-occupied unit)

• Condominiums

• Manufactured homes 

6. Structure of

Assistance 

Continued

HAFHR assistance may be used to make eligible repairs for core residential 

systems that include:

• Roofing, soffit/fascia/gutters, drainage, and runoff management

• Electrical and plumbing systems and foundations

• Environmental modifications and improvements to enable accessibility. 

Other requests considered and approved based on applicant’s unique 

situation.

• Scope of work will be determined by a qualified housing rehabilitation 

specialist and approved by HAF staff

• HAFHR may be used in conjunction with other home repair/modification 

programs

• Work will be completed in accordance with local and state building codes

7. Per Household 

Assistance

• Projects will be funded up to $30,000 per applicant. The total 

Homeowner Assistance Fund for each household shall not exceed the 

established program cap of $40,000 per household

8. Program 

Inception/Duration

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

exhausted.