North Dakota Housing Payment Assistance Program (HPAP)

The State of North Dakota will provide mortgage and utility assistance grants to stabilize eligible 

homeowners. The program will cover future mortgage payments as well as utility expenses. Funding 

may also be applied to property tax, special assessments, lot rents, and homeowner and condo 

association fees. 

The maximum assistance provided for a homeowner(s) will be $12,000. 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.

HPAP Summary Guidelines

1. Program

Overview

The HPAP 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.

HPAP may be used to pay future mortgage and mortgage-related and utility 

expenses until the maximum household assistance of $12,000 is reached or the

homeowner returns to work. HPAP is available for up to 6 months or until the

dollar amount limit is reached.

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

100% 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:

• Experienced a financial hardship after January 21, 2020 related to the

Covid-19 pandemic.

• Have income equal to or less than 100% 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

HPAP assistance may be used to make

ongoing mortgage and mortgage related expensessuch as:

• Monthly mortgage payments – principal and interest

• property tax, flood insurance and homeowners’ insurance (may be 

escrowed in mortgage payment)

• Condo or homeowner association fees

• Lot rents for manufactured homes

• Water, sewer, gas, oil, electricity, and internet
6. Structure of

Assistance 

Continued

Utility payments, including home energy, electricity, water, and garbage.

*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. 

Funds are paid directly to the existing mortgage servicer, tax authority, lien

holder, applicable utility company(s) or other debtors.

7. Per Household 

Assistance

Total assistance cannot exceed the lessor of $12,000 or six months of 

assistance. Assistance can be combined with HRP subject to the limits of each 

individual program. 

8. Program 

Inception/Duration

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

exhausted.