Homeowner & Renter Resources

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Home Improvement Grant / Forgivable Loan
Homes Are Possible (HAPI) offers grant funds for families to improve their homes for a maximum of $6,000 per household. The grant includes a Deed Restriction which states that the grant will be forgiven at the rate of 1/60th per month. If the homeowner moves or sells the house before 5 years, the remaining portion of unforgiven funds will be required to be paid back to HAPI. Application and more details >


Home Improvement Grant / Forgivable Loan
GROW South Dakota has available funds to provide home improvements.  The funds assist income eligible owner-occupied homes with needed home improvements such as shingles, plumbing, electrical upgrades, or siding.  A deed restriction will be placed on the property and forgiven 1/60 per month.  Income and ownership restrictions apply. Application and more details >

Home Improvement Loan
South Dakota Housing Development Authority (SDHDA) provides low interest loans for home repair and improvement through the Community Home Improvement Program (CHIP). Learn more >


Weatherization Assistance
GROW South Dakota offers this service to assist individuals in providing energy efficient measures in their homes. A GROWSD 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 & Second-Time Homebuyers
South Dakota Housing Development Authority (SDHDA) provides low interest 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 matched 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. The next round of applications will be due May 1, 2016.

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. 

Contact us if you are interested.