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Today's Mortgage Rates in North Dakota

Get a Lower rate in North Dakota whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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ND Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.250%.
  • The 30-Year Conventional Refinance rate is 6.375%.
  • Rates are current as of July 29, 2026.

Current North Dakota Mortgage Rates

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Mortgage Rates Trend in North Dakota

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in North Dakota

North Dakota mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Fargo can differ from one for a property in rural North Dakota when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

If you’re considering refinancing a North Dakota home, compare North Dakota refinance rates with the mortgage you already have.

Types of Mortgages Available in North Dakota

North Dakotans buying a home can choose among several mortgage structures, while the amount borrowed determines whether conventional financing stays within North Dakota's statewide conforming limit.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.

  • FHA loans in North Dakota follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.

  • Eligible borrowers can compare North Dakota VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of North Dakota.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms.

  • A jumbo loan finances an amount above the applicable conforming limit. North Dakota uses one statewide one-unit threshold for 2026.

Buyers entering the market for the first time can compare first-time homebuyer loan options in North Dakota.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in North Dakota

All 53 counties in North Dakota use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in North Dakota. The threshold applies to the amount borrowed rather than the home's purchase price.

Buyers borrowing above $832,750 can compare North Dakota jumbo loan rates. Because the same one-unit limit applies across all 53 counties, there is no county-level conforming table to check.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

North Dakota Mortgage Payment Examples By Rate

North Dakota's payment examples extend to an $800,000 mortgage, which remains below the statewide $832,750 one-unit conforming limit that applies across all 53 counties for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the North Dakota mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

North Dakota Mortgage FAQs

Are there homebuyer assistance programs in North Dakota?

The North Dakota Housing Finance Agency provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in North Dakota for 2026?

Every county in North Dakota uses a 2026 one-unit conforming loan limit of $832,750. A one-unit mortgage above $832,750 falls into the jumbo category statewide.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in North Dakota
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Find Out Why North Dakotans Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Erick & staff were EXTREMELY accomodating & professional. Erick & Emiliano held my hand not only thru the process of selling my home in Miami within 15-days of putting it on the market; they didn't skip a beat jumping right into searching & closing on my new home in Winter Haven, FL just weeks apart of each other. They took time from their families & busy schedules to drive 4 HOURS several times from Miami to Winter Haven to support little ol me 😁. That meant the world to me bc I truely felt protected. THANK YOU!!

Aimee R.

Verified Customer

June 15, 2026

5.0

I can’t say enough good things about Brian and his team at Universal Lending! From the very beginning, he was incredibly knowledgeable, responsive, and helpful throughout the entire process. He made everything feel so much easier and less stressful by always being available to answer our questions and explain every step clearly. Thank you so much, Brian, for all your help!

Danice T.

Verified Customer

August 8, 2026

5.0

I am incredibly grateful to Irma for how smoothly she managed my loan from day one. From my initial inquiry to the final funding, she handled the entire process with complete professionalism and efficiency. What really set Irma apart was her great communication and fantastic sense of humor. Mortgage paperwork is notoriously dry, but she kept the mood light and stress-free while still executing every detail flawlessly. She answered all of my questions clearly, kept me updated at every milestone, and genuinely cared about getting everything done right. I deeply appreciate her hard work and highly recommend Irma to anyone looking for a lender who is exceptionally competent but also great to work with

Noah M.

Verified Customer

August 4, 2026

5.0

Stephen and Summer both helped me a lot, answered all of my questions And kept me well informed during the whole process

Ethan W.

Verified Customer

July 5, 2026

5.0

Communication was great! Everyone we worked with ... Jon, Simone, and Jane ... responded quickly and clearly to any questions we had. We felt we were treated with respect and all communications were professional yet friendly. The overall process was efficient and "painless!"

Louis C.

Verified Customer

August 3, 2026

5.0

Josh was extremely knowledgeable and helpful when we had questions. He was very communicative of every step. He even recommended some resources that were very useful and we used.

Jeremiah-christian L.

Verified Customer

June 16, 2026

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