Owner Financing Homes & Land in North Dakota
Buy directly from the owner and pay them over time — no bank, no traditional mortgage. Includes seller financing, contract for deed, subject-to, and wraparound deals.
Be the first to find owner financing deals in North Dakota — new listings post daily.
No owner financed homes and land in North Dakota yet
We're building North Dakota inventory now. If you own property in North Dakota you'd sell on terms, listing is free — and early listings get the most buyer attention.
Looking in North Dakota?
Tell us what you want and we'll reach out when owner financed homes and land come onto the marketplace in North Dakota. It also tells us where to open next.
Takes under a minute · No account needed
~$2,427/mo$310,000Owner Financing · $15k down · 3 bd · 3 ba · 1,993 sqft
Des Moines 3-Unit | $15K Proposed Down | Seller Financing
686 34th Street, Des Moines, IA
Down$15kRate9.25%Term30 yr
~$8,096/mo$830,000Owner Financing · $75k down · 4 bd · 4.5 ba · 3,785 sqft
Owner Finance-12381 Lakeview Rd Sperry, OK 74073
12381 Lakeview Road, Sperry, OK
Down$75kRateOn inquiry
~$2,079/mo$215,000Owner Financing · $21.5k down
12.58 Acres Near the Lazy E Arena
4050 E Camp Drive, Guthrie, OK
Down$21.5kRateOn inquiryTerm15 yr
~$1,664/mo$172,000Owner Financing · $17.2k down
9.7 Acres Near the Lazy E Arena
4050 East Camp Drive, Guthrie, OK
Down$17.2kRateOn inquiryTerm15 yr
~$347/mo$35,000Cash $35kOwner Financing · $3.5k down
1.01-Acre Lot in Guthrie, OK — Seller Financing
7778 Emerald Oaks Cir., Guthrie, OK
Down$3.5kRateOn inquiryTerm20 yr
~$798/mo$89,000Owner Financing · $8k down
Land available in North Luther near Waterloo Rd. (copy)
13000 Antelope Road, Luther, OK
Down$8kRateOn inquiry
~$798/mo$89,000Owner Financing · $8k down
Land available in North Luther near Waterloo Rd.
13000 Antelope Road, Luther, OK
Down$8kRateOn inquiry
~$6,501/mo$640,000Owner Financing · $50k down · 5 bd · 3 ba · 3,488 sqft
Owner Finance-13120 Knight Island Drive Oklahoma City, OK
13120 Knight Island Drive, Oklahoma City, OK
Down$50kRateOn inquiry
~$4,785/mo$419,000Owner Financing · $40k down · 3,949 sqft
Flexspace Warehouse
3600 Valley Park Dr, El Reno, OK
Down$40kRateOn inquiryTerm20 yr
~$1,900/mo$185,000Owner Financing · $10k down
15 acres in Yukon
12177 Hollyrock dr, Yukon, OK
Down$10kRateOn inquiry
~$1,870/mo$175,000Owner Financing · $15k down · 3 bd · 1 ba · 1,130 sqft
Owner Finance-12 NE 66th St. Oklahoma City, OK 73105
12 Northeast 66th Street, Oklahoma City, OK
Down$15kRateOn inquiry
~$1,783/mo$179,900Owner Financing · $17.9k down
15 Acres - Harrah - Tract 1
Martin Road, Harrah, OK
Down$17.9kRateOn inquiry
~$1,783/mo$179,900Owner Financing · $17.9k down
15 Acres - Harrah - Tract 2
Martin Road, Harrah, OK
Down$17.9kRateOn inquiry
~$2,392/mo$225,000Owner Financing · $10k down · 3 bd · 2 ba · 1,200 sqft
Owner Finance-1904 NW 7th, Oklahoma City, OKC 73106
1904 Northwest 7th Street, Oklahoma City, OK
Down$10kRateOn inquiry
~$1,394/mo$130,000Owner Financing · $10k down · 3 bd · 1 ba · 987 sqft
Owner Finance-3601 Parkwoods Ln Midwest City, OK 73110
3601 Parkwoods Lane, Midwest City, OK
Down$10kRateOn inquiry
~$1,825/mo$160,000Owner Financing · $10k down · 3 bd · 2 ba · 1,389 sqft
Owner Finance-3113 Mockingbird Ln, Midwest City, OK 73110
3113 Mockingbird Lane, Midwest City, OK
Down$10kRateOn inquiry
~$1,496/mo$140,000Owner Financing · $10k down · 3 bd · 1 ba · 1,115 sqft
Owner Finance-4773 SE 28th St. Del City, OK 73115
4773 Southeast 28th Street, Del City, OK
Down$10kRateOn inquiry
~$1,485/mo$150,000Owner Financing · $7.5k down · 3 bd · 1 ba · 840 sqft
Owner Finance-5000 S Land Ave. Oklahoma City, OK 73119
5000 South Land Avenue, Oklahoma City, OK
Down$7.5kRateOn inquiry
~$1,500/mo$150,000Owner Financing · $7.5k down · 2 bd · 1 ba · 832 sqft
Home in Midwest City, OK
515 East Ercoupe Drive, Midwest City, OK
Down$7.5kRateOn inquiry
~$1,700/mo$185,000Owner Financing · $10k down · 3 bd · 1 ba · 953 sqft
Home in Oklahoma City, OK
6606 South Mckinley Avenue, Oklahoma City, OK
Down$10kRateOn inquiry
~$149/mo$15,000Owner Financing · $1.5k down
0.87-Acre Lot in Minco, OK — Seller Financing
Lot 39 County Road 1200, Minco, OK
Down$1.5kRate12%Term20 yr
~$6,500/mo$650,000Owner Financing · $100k down
Land in Henryetta, OK
18699 Grayson Boulevard, Henryetta, OK
Down$100kRateOn inquiry
~$365/mo$36,860Owner Financing · $3.7k down
3.88 Acres - Tecumseh, OK - Wooded
Lot 31 Brandy Lane, Tecumseh, OK
Down$3.7kRateOn inquiryTerm20 yr
~$665/mo$66,410Owner Financing · $6k down
6.9 Acres - Tecumseh, OK - Wooded
Lot 30 & 31 Brandy Lane, Tecumseh, OK
Down$6kRateOn inquiry
How owner financing works in North Dakota
Owner financing lets a buyer purchase a North Dakota property without a traditional bank mortgage. Buy directly from the owner and pay them over time — no bank, no traditional mortgage. Includes seller financing, contract for deed, subject-to, and wraparound deals.For buyers who can't — or don't want to — go conventional, it's often the fastest path to owning real estate.
On The Creative Marketplace you see the full deal up front — down payment, monthly payment, and terms — and contact the seller directly. We're a marketplace, not a lender or broker; always have a North Dakota title company or attorney review a creative-finance contract before signing.
Owner Financing by city in North Dakota
Other ways to buy in North Dakota
Owner Financing by state
Owner Financing in North Dakota: FAQ
- How do I find owner financed homes and land in North Dakota?
- Browse the listings on this page — each one shows the down payment, monthly payment, and full terms up front, and you contact the seller directly. New North Dakota listings post regularly on The Creative Marketplace, so check back or save a search.
- Is owner financing legal in North Dakota?
- Yes. Owner financing is a legal way to buy real estate in North Dakota and across the U.S., but the exact rules and buyer protections vary by state. Always have a North Dakota title company or real estate attorney review the contract and confirm clear title before you sign.
- How much down payment do I need for owner financing in North Dakota?
- It's negotiable — that flexibility is the whole point of owner financing. Down payments commonly range from roughly 5% to 20% or more depending on the seller and the property. You'll see each seller's asking down payment right on the listing.
- Do I need good credit to buy with owner financing in North Dakota?
- Often not. Because you work directly with the seller instead of a bank, owner financing deals in North Dakota are usually more flexible on credit than a traditional mortgage — though every seller sets their own terms.