Home Repair Grants in North Dakota (2026 Guide)

North Dakota home repair help: quick reference

Where to start when you do not know the program

For a broader decision path, use our home repair starting guide. You can also search for county, city, and nonprofit options through our guide to finding local repair programs.

What to say on the first call:

“I own and live in a home in [city or county]. The urgent problem is [brief description]. My household has [number] people, and our approximate gross monthly income is $[amount]. Do you have a grant, loan, repair service, or referral for this problem? Is intake open, and must I wait for written approval before work begins?”

For local referrals, use the FirstLink 211 service: dial 211, call 701-235-7335, or text your ZIP code to 898-211.

Heating repair and weatherization help

North Dakota LIHEAP

The North Dakota LIHEAP program can help eligible homeowners and renters with heating costs and certain energy emergencies. North Dakota lists furnace cleaning, repair or replacement, chimney cleaning or inspection, weatherization referrals, emergency help, and limited cooling-device help among possible services.

Type of help: LIHEAP is an energy benefit and crisis-assistance program. It is not a general home repair grant. A furnace request may be handled through an authorized provider or local agency rather than as cash paid to the homeowner.

Applications are accepted year-round, but the kind of help available can change by season and available funds. North Dakota may pause regular heating payments during part of the summer while continuing certain emergency, cooling, furnace, and weatherization-related services.

2025-2026 LIHEAP income limits

These limits are effective October 1, 2025, through September 30, 2026. Eligibility also depends on household and program rules.

Apply through the state Self-Service Portal, by mail, or with local help. For state assistance, call 1-866-614-6005 or 701-328-1000. TTY users can dial 711. Community Options can help with applications at 1-800-823-2417.

North Dakota says applicants should receive an eligibility notice within 45 days. Return requested verification quickly; the state recommends supplying all documents within 30 days. See what heating crisis help may cover in our LIHEAP repair guide.

Weatherization Assistance

The North Dakota Weatherization Assistance Program provides approved energy-saving work at no cost to eligible households. Households receiving LIHEAP are automatically income-eligible. Other applicants generally must be at or below 200% of the federal poverty level.

For 2026, the annual limits are $31,920 for one person, $43,280 for two, $54,640 for three, $66,000 for four, $77,360 for five, $88,720 for six, $100,080 for seven, and $111,440 for eight. Add $11,360 for each additional person.

Possible work includes air sealing; attic, wall, floor, and perimeter insulation; some window or door treatments; and furnace safety or efficiency work. Small building repairs may be allowed when needed to protect a weatherization measure. Cosmetic remodeling, a full roof replacement, or a stand-alone bathroom renovation usually does not qualify.

A home is generally served once, unless it was weatherized more than 15 years ago and qualifies again. Submit the weatherization application or call the agency serving your county.

Community Action contacts

County assignments can change. Confirm your agency through the Community Action directory before mailing documents.

USDA rural home repair loans and grants

Section 504 Home Repair

The USDA Single Family Housing Repair Loans and Grants program, often called Section 504, is one of North Dakota’s most important rural repair programs. It serves very-low-income homeowners who occupy the property and cannot obtain affordable credit elsewhere. The home must be in a USDA-eligible rural area.

Loan: Up to $40,000 at 1% fixed interest for as long as 20 years. Loans can be used to repair, improve, or modernize a home or remove health and safety hazards.

Grant: Up to $10,000 for homeowners age 62 or older who cannot repay a loan. Grant money is limited to removing health and safety hazards. A grant generally must be repaid if the property is sold within three years.

An eligible household may combine a loan and grant for up to $50,000. In a qualifying presidential disaster area, the grant cap may rise to $15,000 and combined help to $55,000. Full title service is required when the outstanding Section 504 loan balance exceeds $25,000.

Use the official Section 504 program page to check rules. Then contact USDA North Dakota contacts. The state office number is 701-530-2037. USDA uses address-specific rural eligibility and county income limits, so a statewide income table cannot tell you for certain whether you qualify.

Our Section 504 guide explains the loan, grant, lien, and repayment rules in more detail. For other rural options, see our rural repair assistance guide.

USDA disaster repair assistance in 2026

An older USDA Rural Disaster Home Repair Grant round had an April 30, 2026 deadline and is now closed. Do not rely on an old page that still shows that date.

The current USDA Disaster Assistance Fund has an application window through September 30, 2026, subject to funding. It can provide grants or loans to eligible low- and very-low-income owner-occupants in rural areas whose homes were damaged by a qualifying disaster. Grants can be as high as $32,420, but the amount and type of help depend on program rules, verified damage, insurance, and other aid. USDA will not pay twice for the same loss.

Call USDA before assuming your county, disaster declaration, or repair qualifies. Keep insurance decisions, FEMA or state letters, photos, estimates, receipts, and proof of any other disaster payment.

Accessibility grants and disability-related home changes

Rehabilitation Accessibility Program

The North Dakota Housing Finance Agency’s Rehabilitation Accessibility Program provides grants for changes that help a low-income person with a physical disability use the home more safely. Eligible work may include ramps, lever-style door handles, walk-in or roll-in showers, grab bars, and wider doorways.

Type of help: This is a grant of up to $7,000, not a general repair loan. The household must generally be at or below 50% of the county median income and must provide 20% matching funds. Property taxes must be current. Renters may apply with required landlord approval.

Do not begin work before approval. The agency may inspect the property, and grant checks are generally made payable to contractors. The application requires an itemized cost estimate, income proof, bank statements, tax status, and other documents. Funding is first-come, first-served.

Review the ND Housing program page and current forms. Call 701-328-8080 or 800-292-8621; TTY users can dial 711.

For other disability-related options, read our home modification help guide.

Aging and disability referral help

The Aging and Disability Resource Link can connect older adults, adults with physical disabilities, and caregivers to local services. Call 855-462-5465. Some caregiver support may cover small safety items such as a shower bench or safety rails. This is service or equipment help, not a statewide grant for major construction.

Urgent 2026 housing-payment help

North Dakota Help for Homeowners

North Dakota’s Homeowner Assistance Fund program is scheduled to end in August 2026. The state says applications must be submitted by August 15, 2026, while funds remain.

Type of help: A one-time housing-stability grant of up to $40,000 for eligible homeowners with a COVID-related financial hardship and household income at or below 150% of area median income. It can address past-due mortgage payments, property taxes, homeowners insurance, certain association fees, delinquent utilities, lot rent, and related housing charges.

This program does not pay a contractor to replace a roof or remodel a home. It may still prevent foreclosure, utility shutoff, tax loss, or displacement while you pursue a separate repair program.

Check the Help for Homeowners page immediately if you are behind. Call 701-328-1907 or email haf@nd.gov. Eligible properties include owner-occupied single-family homes, the owner’s unit in a one-to-four-unit property, condominiums, and manufactured homes, including homes on rented land.

City, nonprofit, and local repair programs

Local programs can help with larger projects, but many are loans. Confirm boundaries, assessed-value limits, floodplain rules, lender approval, and available funds.

Fargo. The city’s federally funded Housing Rehabilitation program is closed. Its separate 2026 Neighborhood Revitalization Initiative is open through October 31, 2026, while funds remain. This is a reduced-interest bank loan, not a grant. Current terms list $10,000 to $100,000 for 10 or 15 years, with an advertised annual percentage rate as low as 4.66%. The loan is secured by a second mortgage. The home must meet location and property rules. Call 701-241-1474 and review the Fargo NRI terms.

Bismarck. The 2026 Neighborhood Reinvestment Initiative is open through October 31, 2026. It offers $10,000 to $100,000 reduced-interest loans through participating lenders. The home generally must have been built in 1996 or earlier, be assessed at $300,000 or less, and be owner-occupied after work is complete. Do not start before property review and closing. Call 701-355-1840 and check the Bismarck NRI page.

Grand Forks. The Home Improvement Partnership Program is a low-interest Gate City Bank loan, not a grant. Posted terms list $10,000 to $100,000, 10- or 15-year repayment, up to 90% loan-to-value, and an advertised rate as low as 4.49%. The home must meet city and property rules. Confirm current rates and funds on the Grand Forks program page. The city also has separate lead service line funding; ask what homeowner costs remain.

Rebuilding Together Fargo-Moorhead Area. This nonprofit repairs health and safety problems for qualifying older adults, people with disabilities, veterans, and families in Cass, Traill, and Richland counties and Clay County, Minnesota. It is not accepting applications because its waitlist is over capacity. It expects to reconsider intake in winter, but reopening is not guaranteed. Check the intake notice or call 701-356-7836. Our nonprofit repair guide lists other paths.

Local sponsors. North Dakota Housing programs such as Helping HAND and HOME can support owner-occupied rehabilitation through local governments, tribes, housing authorities, or nonprofits. Homeowners usually cannot apply to the state directly. Ask the local sponsor whether its help is a grant, deferred loan, forgivable loan, or lien-backed award and what happens after a sale, refinance, or transfer.

Tribal and veteran home repair help

BIA Housing Improvement Program

The Bureau of Indian Affairs Housing Improvement Program offers grant-based help to eligible tribal members in approved service areas when a home is substandard and no other housing resource is available. It is not an entitlement.

The Great Plains program lists up to $7,500 for interim health and safety work and up to $60,000 for repair or renovation. Applicants generally must have income at or below 150% of federal poverty guidelines and meet membership, residence, ownership, and other rules. Sale or transfer may trigger repayment. Contact your tribal housing office first or use the Great Plains HIP page. The program number is 605-226-7441. Also ask the tribe about tribal LIHEAP and weatherization.

North Dakota veteran help

The North Dakota Department of Veterans Affairs may approve hardship grants for emergency repairs or critical needs, usually paid to vendors. Current state limits include up to $5,000 in a year for certain hardship grants and a $7,000 lifetime IMPACT limit. A separate Veterans Aid Loan offers up to $8,000 at 8% interest for up to 48 months. Contact a county or tribal Veterans Service Officer and check the hardship grant rules. Our veteran modification guide explains federal VA options.

Documents to prepare

Keep copies, not originals, and make a call log. A program may ask for:

• Photo identification and required identity records
• Deed, title, mortgage statement, or proof of ownership and occupancy
• Manufactured-home title and lot agreement, when applicable
• Pay stubs, benefit letters, tax return, and recent bank statements
• Property-tax status, insurance, and utility or shutoff notices
• Photos, inspection reports, and itemized contractor estimates
• Insurance, FEMA, or other disaster-payment records
• Disability verification and landlord approval for accessibility work

“Please tell me the exact income period, ownership papers, estimates, and other records you require. Can I apply now and provide a missing item later?”

A seven-day action plan

A grant, repair service, and affordable loan may sometimes be combined, but each program must approve it. Two programs cannot pay the same invoice twice.