Housing Assistance

2022 HAPI income limits

Housing Down Payment & Closing Cost Assistance

Closing Cost Assistance

Currently, HAPI has a $5,000 Down Payment/Closing Cost non-forgivable loan. This loan is paid back to HAPI interest-free at the time you sell your home, take a cash back refinance or transfer title.  Please contact HAPI for further details. Completion of HAPI’s Homebuyer Education course is required prior to closing.

The income limits are at the HUD 80% AMI per county and household size.  Please contact HAPI for these limits. Homebuyer Education is required for these grants and must be completed prior to closing.

Housing Rehab Grants & Home Repair Grants  

Home Repair Funding

HAPI intends to assist families in  Northeastern and North Central South Dakota Counties in the rehab or improvement of a home this year with grant funds. HAPI’s service area is Beadle, Brown, Buffalo,  Campbell, Clark, Codington, Davison, Day, Deuel, Edmunds, Faulk, Grant, Hand, Hughes, Hyde, Jerauld,  Marshall, McPherson, Potter, Roberts, Sanborn, Spink, Stanley, Sully, and Walworth counties.

Federal Home Loan Bank Des Moines

Funds for this program are provided by the South Dakota Housing Development Authority.  There is a list of acceptable home improvement expenses as well as unacceptable uses that applicants need to review and sign prior to accepting the grant.   Applications for the HAPI grant can be downloaded and printed. Prior to the disbursal of funds, you must attend a HAPI-approved homeownership education class. These classes are provided to you at no cost by HAPI. Limited funding may be in the form of 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.

Unfortunately, we are unable to work with mobile homes with either funding. The funds from these grants CAN NOT be used for rental ownership or improvements.

Click the following blue linked text to download the following required forms. Please click, print and complete all forms. 

If you have received a grant within the last 5 years you are not eligible for one at this time.

Grants are available to person(s) with household incomes below the 80% Area Median Income for each county and family size. HAPI’s ‘s service area is Beadle, Brown, Buffalo, Campbell, Clark, Codington, Davison,  Day, Deuel, Edmunds, Faulk, Grant, Hand, Hughes, Hyde, Marshall, McPherson, Potter, Roberts, Spink, Stanley, Sully & Walworth counties.