SD Fixed Rate Plus
SD Fixed Rate Plus is a zero-int deferred 2nd from SD Housing Development Authority. Available statewide in South Dakota. Income limit: Per HH (statewide).
Amount varies by program
Listed as open as of May 2026
Available statewide in South Dakota.
| Income limit | Per HH (statewide) |
|---|---|
| Minimum credit score | 620 |
| Maximum DTI | 45% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide SD |
| Property types | SFR primary |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/VA/USDA/Conv |
| Sales price cap | ~$385,000 max |
| Repayment | 0% APR 30-yr deferred |
| Stacking | Pairs with SDHDA first |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: SD Housing Development Authority · program details at the provider’s site.
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