Down Payment Assistance


Discounts on closing fees — Participants who complete SEHP's pre-purchase homebuyer education program receive discounts on their closing fees.

LAP — Loan amount ranges from $2,000-$10,000 at 5% interest rate. Click here for more details.

EMAP — Participating employers provide a low-interest loan to employees who meet eligibility requirements. Click here to see if your employer is on the list or to find out more information about EMAP.

Fixed-Rate Plus Option through SDHDA — Borrower can receive a 3% gift for down payment and closing costs with slight increase in borrower's interest rate. Click here for more details.

Community Development — Interest free down payment assistance administered through the City of Sioux Falls. Click here for more details.

Home Improvement

Community Home Improvement Program (CHIP) — Provides low interest loans for eligible borrowers to improve or repair the borrower's present or repair the borrower's present single family home. Click here for more details.

Property Rehab Assistance — Provides financial assistance to low- and moderate-income homeowners to maintain their properties in a decent, safe and sanitary condition. Click here for more details.

A Brush With Kindness — Program offered through Habitat for Humanity of Greater Sioux Falls that offers home exterior improvements to low-income homeowners. Click here for more details.

For more information or to schedule a meeting contact us at (605) 339-0942 or e-mail sehp@siouxfalls.com.