Homeowner & Renter Resources

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Housing Rehab / Home Improvement Grant
Homes Are Possible (HAPI) offers grant funds for families to improve their homes for a maximum of $5,000 per household. There is a forgivable mortgage that goes along with receiving this grant. It states that the grant will be forgiven at the rate of 20% per year. If you move or sell the home prior to 5 years, you will be required to pay the un-forgiven portion of the deed restriction. Prior to the disbursal of funds, you must attend a HAPI approved homeownership education class (no cost). Application and more details >

Home Improvement Loan
South Dakota Housing Development Authority offers a Community Home Improvement Program (CHIP) which provides low-interest loans for eligible borrowers to improve or repair the borrower's present single family home. Learn more >

Weatherization Assistance

Weatherization is a service to assist individuals in providing energy efficient measures in their homes. A GROW South Dakota representative will conduct an energy audit on the home to determine what repairs are cost-effective to increase energy efficiency and reduce the cost of utilities. Common repairs include: adding insulation in walls and attics, weather stripping doors and windows, minor repairs, and furnace repairs and replacements.  Income guidelines determine eligibility. Application and more details >

First-time & Repeat Homebuyers

South Dakota Housing Development Authority (SDHDA) prolow-interestterest mortgage loans to eligible homebuyers purchasing a home in the state of South Dakota. There are several interest rate options available.

Eligible Veterans who have been honorably discharged from active military duty, or have reenlisted subsequent to the date they would have been honorably discharged, and have owned a home within the past three years may obtain mortgage financing through SDHDA's First-time Homebuyer Program. Learn more >

Downpayment Assistance

South Dakota Housing Development Authority (SDHDA) provides fixed rate plus loans provide downpayment and closing cost assistance (3% gift) to the borrower. This gift is never repaid! It is a slightly higher interest rate. Learn more >

Down Payment/Closing Cost Assistance

GROW South Dakota can provide potential homeowners with $5,000 toward a down payment or closing costs on the purchase of their home. Application and more details >

Dakota Dream Savings Fund

GROW South Dakota can match individual savings to purchase your first home. For each dollar you save, up to $2,000, it will be matchedan with additional three dollars! If eligible, you can join the program and have a total of $8,000 to use toward the purchase of your first home. Learn more >

Homeownership Education

GROW South Dakota is a HUD approved Housing Counseling Agency and Housing Education Resource Organization (HERO) offering individual and group education for homeownership.  Topics covered in homeownership education include:
  • Are You Ready to Buy a Home
  • Money Management
  • Understanding Credit
  • Obtaining a Mortgage Loan
  • Protecting Your Investment

Tell us about your interest in attending classes in Day County >

Housing Loan Prequalification

GROW South Dakota assist people interested in purchasing a home by having them complete a prequalification packet regarding their ability to purchase a home and eligibility for homeownership.  Applicants will have their credit history reviewed.  GROW SD will review all of the information with the client regarding their ability to purchase a home.  This process will allow the applicant to determine readiness and direction for homeownership and reviews various lending choices for homeowners. Learn more >

USDA Rural Development Housing Programs
Multiple housing programs are available through US Department of Agriculture - Rural Development:
  • Single Family Housing Direct Home Loans
  • Single Family Housing Guaranteed Loan Program
  • Single Family Housing Repair Loans & Grants
Learn more >

Paint South Dakota
South Dakota Housing Development Authority (SDHDA) provides paint and primer for four homes in South Dakota each year.

Nominee must...  
  Be a single family, owner occupied house  
  Be in need of new paint  
  Own and currently reside in the home to be painted  
  Be physically OR financially unable to paint the home on their own. 

Learn More >