North Dakota mortgage payment calculator

All-in cost first, always. Estimate only — not a loan quote or pre-approval.

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Rate via FRED

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North Dakota at a glance

Median home price
$313,885
Typical closing costs
2%–5% of price
Transfer tax
None
Closing custom
attorney
Homestead exemption
North Dakota does not have a single broad ad-valorem homestead exemption. It offers several separate property tax relief programs for owner-occupied residences: a Primary Residence Credit for owner-occupants generally, a Homestead Property Tax Credit targeted at qualifying elderly (65+) or permanently/totally disabled homeowners with limited income, and a Disabled Veteran's Property Tax Credit for veterans with a service-connected disability rating of 50% or greater (credit applied against the first $120,000 of true and full valuation, scaled to disability percentage). Specific current dollar credit amounts for the Primary Residence Credit and Homestead Property Tax Credit could not be confirmed on a live tax.nd.gov page during this research pass; homeowners should confirm current amounts directly with the ND Office of State Tax Commissioner or their county assessor. Most require annual application by February 1.

First-time buyer / down payment assistance programs

  • ND Housing FirstHome

    North Dakota Housing Finance Agency's primary below-market-rate first mortgage for first-time homebuyers statewide (first-time requirement waived for buyers using HomeAccess or in certain other exception categories); subject to income and purchase-price limits that vary by county and household size, and commonly paired with DCA or Start down payment assistance.

  • ND Housing DCA / Start Down Payment Assistance

    Down payment and closing cost assistance equal to 3% of the first mortgage loan amount, provided as a credit; DCA requires income qualification and a homebuyer education certificate, Start cannot be combined with other NDHFA down payment programs. Must be paired with a NDHFA first mortgage (FirstHome, HomeAccess, or North Dakota Roots).

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Affordability calculator

Income, savings, and debts in — max home price and qualification signal out.

PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

Should you buy down your rate? Break-even and lifetime cost comparison.

Related reading

Closing Costs in North Dakota: What You'll Actually Pay

9 min read

North Dakota charges no transfer tax and no mortgage tax — recording a deed can cost $20. Here's what closing on a $313,885 North Dakota home really runs.

What Is PMI, and How Do You Get Rid of It?

15 min read

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

$4.99

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

$4.99

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.