Are you a first-time homebuyer in South Dakota? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Mount Rushmore State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Navigate the dynamic real estate market of South Dakota with confidence and uncover the unique opportunities that await you.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| GROW South Dakota Down Payment/Closing Cost Assistance | Up to $10,500 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Teacher Next Door: South Dakota Teacher Housing Grants | Up to $14,850 in down payment assistance | Homebuyers that are currently employed as teachers for pre-k thruough 12th grade, and school admin and staff | Loan with $4,170 given as a grant |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Charles Mix | NPHA Down Payment Assistance | Down payment buys down the first mortgage to a level that is affordable for the buyer - amount not specified | Native Americans that meet income requirements | Grant |
| Brown County | HAPI: Housing Down Payment & Closing Cost Assistance | Up to $3,500 in down payment and closing cost assistance | Homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Northeast Counties (Beadle, Buffalo, Campbell, Clark, Codington, Day, Deuel, Davision, Deuel, Edmunds, Faulk, Grant, Hand, Hughes, Hyde, Jerauld, Marshall, McPherson, Potter, Roberts, Spink, Stanley, Sully, Walworth) | HAPI: Housing Down Payment & Closing Cost Assistance | Up to $4,000 in down payment and closing cost assistance | Homebuyers that can meet income requirements | Grant |
| Western Counties (Bennett, Butte, Corson, Custer, Dewey, Fall River, Haakon, Harding, Jackson, Lawrence, Meade, Pennington, Perkins, Ziebach) | Dakota Dream Savings Fund Individual Development Account | Up to $2,000 in down payment assistance | First time homebuyers | Savings match fund |
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