It may be easier for you to buy a home in Howard than just about anywhere else.  Howard believes home ownership is a key to personal economic well-being and community vitality—and there’s a support system hoping to help you own a house.  Taking that step can feel daunting, so the Rural Learning Center and Lutheran Social Services team up to offer homebuyer education classes that take participants through the process, and address financing options. 

South Dakota, and rural South Dakota in particular, is a good place to buy a first-time home.  In addition to attractive pricing, these programs are big pluses for families meeting income guidelines:

The U.S. Department of Agriculture Rural Development Program has moved thousands of South Dakotans into their own homes.  Mortgage payments fluctuate as family income changes.  Click here for more information.

The South Dakota Housing Development Authority offers first-time homebuyer loans, down payment assistance, home buyer education, the Governor’s House Program, and much more.  Click here for details.

For a list of local lending institutions, click here.