Why First-Time Home Buyer Programs Matter in Minnesota & North Dakota.First-time home buyer programs in Minnesota and North Dakota help low- and moderate-income families achieve homeownership by offering affordable mortgage loans, down payment & closing cost assistance, and homebuyer education. These initiatives not only open doors for new buyers but also stimulate local economies, create jobs, and grow tax revenues. “Shannon and Jim’s FSBO Assist program made all the difference. With their expert guidance, I accessed down payment assistance, navigated the paperwork smoothly, and closed on my first home in just 45 days!”