Home Buyer Assistance Programs

Minnesota Housing Homeownership Programs

First time homebuyers may qualify for home buying assistance through the Minnesota Housing Start Up loan program.  In addition to  affordable, fixed interest rate mortgages first time homebuyers may also be eligible for down payment and closing cost loans, including a deferred payment loan.

The Minnesota Housing Step Up program offers affordable, fixed interest rate loans and down payment and closing cost loans for qualifying homeowners who are looking to refinance or purchase a different home.

Ramsey County

Ramsey County's FirstHOME Buyer Assistance Program helps first-time buyers with low to moderate incomes who are purchasing homes in Ramsey County (outside of Saint Paul).   Eligible buyers may qualify for up to $15,000 with zero percent interest to help bring their monthly housing costs down to 30% of income.  The principal-only subordinate mortgage must be repaid when the property is sold and the maximum purchase price is $240,000.

TCHFH Lending, Inc.

Twin Cities Habitat for Humanity's mortgage company provides mortgages to low-and-moderate income households across the seven-county metro.  Their mortgage can be used on Habitat-built homes or homes found on the open market.  Click here for more information about TCHFH mortgages.