City of Saint Paul – Department of Planning and Economic Development
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City of Saint Paul – Department of Planning and Economic DevelopmentMNFirst-Time Homeowner0 percent interest 15-year deferred downpayment assistance loans plus Minnesota Housing and nonprofit partner programs
Updated: Dec 5, 2025
Saint Paul’s Homebuyer Assistance hub connects residents to the Citywide Downpayment Assistance Program, Minnesota Housing loans and DPA, and a network of nonprofit partners to make buying a home in Saint Paul more affordable.
Eligible for: Homebuyers purchasing in Saint Paul who meet income and purchase-price limits for city and Minnesota Housing programs; many offerings target…
Funding: Highlights the Citywide Downpayment Assistance Program, which offers up to 40000 dollars as a 0 percent interest 15-year deferred loan for down payment, closing costs, and interest rate buydown on homes in Saint Paul, along with other state and nonprofit assistance options.Deadline: Rolling; specific programs like Citywide Downpayment Assistance open and close based on funding, but the Homebuyer Assistance portal remains live and is updated as offerings change.RollingLocalhomebuyerfirst-time homebuyerfirst-generation homebuyerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistanceinterest rate buydownaffordable mortgage