Minnesota • First-Time Homeowner programs
First-Time Homeowner grants in Minnesota
Browse first-time homeowner grants available in Minnesota, including statewide and local programs.
4 active programs in Minnesota
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City of Minneapolis – Community Planning & Economic DevelopmentMNFirst-Time Homeowner0 percent interest deferred down payment and closing cost assistance loan with no monthly payments
Updated: Dec 6, 2025
Minneapolis’ down payment assistance loan provides $10,000–$20,000 in gap financing for income-qualified first-time homebuyers in the city, based on household AMI, to cover down payment and closing costs.
Eligible for: First-time homebuyers purchasing a primary residence in Minneapolis who meet income limits (≤80% or 60% AMI depending on assistance level), …
Minnesota Housing Finance AgencyMNFirst-Time HomeownerForgivable down payment assistance loan layered with a Minnesota Housing Start Up first mortgage
Updated: Dec 5, 2025
Minnesota Housing’s now-closed First-Generation Homebuyer Loan Program provided targeted downpayment assistance loans to first-generation buyers using a Start Up mortgage, helping households whose parents never owned a home overcome the upfront cost barrier to homeownership.
Eligible for: First-generation homebuyers (whose parents never owned a home) using a Minnesota Housing Start Up mortgage, meeting agency income and purcha…
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…
Minnesota Housing Finance AgencyMNFirst-Time Homeowner30 year fixed rate first mortgage loans (Start Up and Step Up) with optional down payment and closing cost assistance loans and mortgage credit certificates
Updated: Dec 6, 2025
Minnesota Housing’s “Buy a Home” offerings provide statewide first-time homebuyer and repeat-buyer mortgages with built-in access to down payment and closing-cost assistance, making homeownership more affordable for low- and moderate-income households across Minnesota.
Eligible for: First-time and repeat homebuyers in Minnesota who meet Minnesota Housing income limits (in some areas up to about $185,700 household income)…