A Bank of North Dakota direct loan enabling beginning farmers to purchase agricultural real estate at favorable terms.
Eligibility
Beginning farmers with a net worth under $1.5 million who have not owned more than 30% of the county-average farm size.
Terms
Lifetime cap of $1.2 million. Up to 75% loan-to-value. Thirty-year term. Interest rate approximately 1.00% below BND's base rate.
Application Instructions
Apply directly to Bank of North Dakota (may be arranged with a local lender).
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Updated September 1, 2026
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