Please note: Some of our applications cannot be fully completed without a few additional pages that you would receive from us, and/or without consultation from a NESDCAP/NESDEC representative. The majority of the application is provided for you so you can complete that portion and gather additional information that may be needed.
These applications are online. You can choose to download the PDF version and mail completed documents to: NESDCAP, 104 Ash Street East, Sisseton, SD 57262.
If you have any questions or problems while filling out any of these applications please contact us at (605) 698-7654 or toll free: 888-202-4855.
If you are interested in home ownership complete the pre-qualification form. Our agency will obtain a credit report and assist you in finding various housing loan products. NESDCAP is a HUD and HERO Certified Counseling Agency.
This program partners with USDA Rural Development in packaging loans in counties. The purpose of these loans is to make the dream of home ownership possible to individuals and families. There is up to 100% financing available, low interest rates contingent on income and real estate taxes and insurance are escrowed.
Housing Loan Request (For Lender/Community Development Corporation Only)
This program provides several opportunities for home ownership. 1) Down payment/closing cost assistance 2) Certificate of Deposit (CD) Pledge program 3) Partnership loans 4) Direct Loans 5) Development Corporations who wish to construct affordable housing in their community.
Energy assistance helps low-income South Dakotans pay for home heating costs. Keep in mind, energy assistance may not pay for all of your home heating cost.
Applicant will need to complete a projected cash flow statement, current financial statements (personal and business) business plan, and past 3 years income tax returns (both personal and business).
*This online form contains seven documents. Please fill out and submit ALL documents.
In accordance with Federal law and the U.S. Department of Agriculture policy, this institution is prohibited from discriminating on the basis of race, color, national origin, age, disability, religion, sex, and familial status. (Not all prohibited bases apply to all programs).
To file a complaint of discrimination, write USDA, Director, Office of Civil Rights, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410 or call (800) 795-3272 (voice) or (202) 720-6382 (TDD).
