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SDdeferred loanactive
South Dakota First-Time Homebuyer Program
South Dakota Housing Development Authority
3-5% DPA, deferred 0% second mortgage
Overview
3-5% DPA at 0% deferred for SD first-time buyers.
Detailed requirements
First-time buyer. Pairs with SDHDA mortgage. 3-5% based on need. Income/purchase limits.
Eligibility at a glance
- First-time buyer required
- Yes
- Min credit score
- 640
- Owner-occupied required
- Yes
- Homebuyer education required
- Yes
Ready to apply?
A free grant specialist walks you through eligibility and the official application in one short call.
Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.