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GROW South Dakota Home Ownership Programs

Home Mortgage Loans

GROW South Dakota's direct loan program supports individuals and families in making their dream of homeownership come true with the financing of a home purchase.  Our experienced staff will be with you every step of the way.  Our loan program provides funds for the purchase of a new or existing home in the state of South Dakota.  GROW SD will finance loan amounts up to $300,000. Call for more information, and to ask about our current interest rates. Apply online for a home loan or view the steps in preparing for homeownership.  Additional homeownership options are available here.  

Down Payment/Closing Cost Assistance

GROW South Dakota can provide potential homeowners with down payment or closing cost assistance, (DPA) on the purchase of their home. Check out the overview of the DPA and the list of Home Ownership Programs  Eligibility requirements and income guidelines apply.  Lenders must be approved through GROW SD.   View additional information regarding the Capital Magnet Fund.

USDA 502 Direct Loans

GROW South Dakota is a Loan Packager for the USDA Rural Development 502 Direct Loan program.  Visit the self-assessment tool on the USDA website to determine eligibility.   To apply, request by email a 502Direct Loan Application Packet at or call (605) 352-1100.

Homeownership Education and Housing Counseling

GROW South Dakota is a HUD-approved Housing Counseling Agency and Housing Education Resource Organization (HERO) offering individual and online education for homeownership. We also offer one on one pre-purchase, rental counseling, and financial management for homeowners.  Contact us today to schedule your confidential one-on-one counseling session.  

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A Half-Century of Serving South Dakotans

For more than half a century, the three nonprofit organizations comprising GROW South Dakota have fulfilled a vision of “GROWing sustainable communities through housing, community and economic development.” In 1966 the Northeast South Dakota Community Action Program (NESDCAP) was established as a Community Action Agency in the War on Poverty and has served thousands in 17 counties with emergency services as well as various housing programs.

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GROW South Dakota

GROW South Dakota
104 Ash Street East
Sisseton, SD  57262
Phone (605) 698-7654
Fax (605) 698-3038