Are you a first-time homebuyer in Minnesota? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the North Star State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Navigate the dynamic real estate market of Minnesota with confidence and uncover the unique opportunities that await you in the vibrant cities, serene lakeside communities, and welcoming neighborhoods.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| Start Up for First-Time Homebuyers | Up to $17,000 in down payment assistance | First time homebuyers that can meet income and credit score requirements | Loan |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Anoka | NeighborWorks Leap Down Payment and Closing Cost Assistance Loan | Up to $20,000 in down payment assistance | Homebuyers that can meet income requirements | Second mortgage |
| Anoka | Start-Up Program | Up to $15,000 in down payment and closing cost assistance | First time homebuyers and veterans that can meet income and credit score requirements | Second mortgage |
| Anoka | Welcome Home Down Payment Assistance | Up to $10,000 in down payment assistance | First time homebuyers and veterans that can meet income requirements | Deferred loan with a 0% interest rate |
| Beltrami | Down Payment Assistance | Up to $7,500 in down payment and closing cost assistance | Homebuyers that can meet income and savings requirements | Deferred second mortgage with a 0% interest rate |
| Beltrami | Down Payment and Closing Cost Assistance | Up to $25,000 in down payment and closing cost assistance | Red Lake Band members buying outside the reservation | Second mortgage and partial grant |
| Carver | NeighborWorks Leap Down Payment and Closing Cost Assistance Loan | Up to $20,000 in down payment assistance | Homebuyers that can meet income requirements | Second mortgage |
| Carver | Welcome Home Down Payment Assistance | Up to $10,000 in down payment assistance | First time homebuyers and veterans that can meet income requirements | Deferred loan with a 0% interest rate |
| Dakota | First Time Homebuyer Program | Up to $8,500 in down payment and closing costs assistance | First time homebuyers and veterans that can meet income and credit score requirements | Deferred loan with a 0% interest rate |
| Dakota | Mortgage Credit Certificate | Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers and veterans that can meet income and credit score requirements | Tax credit |
| Dakota | NeighborWorks Leap Down Payment and Closing Cost Assistance Loan | Up to $20,000 in down payment assistance | Homebuyers that can meet income requirements | Second mortgage |
| Dakota | Welcome Home Down Payment Assistance | Up to $10,000 in down payment assistance | First time homebuyers and veterans that can meet income requirements | Deferred loan with a 0% interest rate |
| Hennepin | NeighborWorks Leap Down Payment and Closing Cost Assistance Loan | Up to $20,000 in down payment assistance | Homebuyers that can meet income requirements | Second mortgage |
| Hennepin | Welcome Home Down Payment Assistance | Up to $10,000 in down payment assistance | First time homebuyers and veterans that can meet income requirements | Deferred loan with a 0% interest rate |
| Ramsey | Home Buyer Assistance | Up to $15,000 in down payment assistance | First time homebuyers whose income does not exceed 80% of the AMI and must buy a property in suburban Ramsey County | Second mortgage with a 0% interest rate |
| Ramsey | NeighborWorks Leap Down Payment and Closing Cost Assistance Loan | Up to $20,000 in down payment assistance | Homebuyers that can meet income requirements | Second mortgage |
| Ramsey | Welcome Home Down Payment Assistance | Up to $10,000 in down payment assistance | First time homebuyers and veterans that can meet income requirements | Deferred loan with a 0% interest rate |
| Scott | NeighborWorks Leap Down Payment and Closing Cost Assistance Loan | Up to $20,000 in down payment assistance | Homebuyers that can meet income requirements | Second mortgage |
| Scott | Welcome Home Down Payment Assistance | Up to $10,000 in down payment assistance | First time homebuyers and veterans that can meet income requirements | Deferred loan with a 0% interest rate |
| Southeastern | Three Rivers Down Payment Assistance | Up to $18,500 in down payment assistance | Homebuyers buying within the southeastern counties of Minnesota and can meet income requirements | Loan with a 0% interest rate |
| Washington | Welcome Home Down Payment Assistance | Up to $10,000 in down payment assistance | First time homebuyers and veterans that can meet income requirements | Deferred loan with a 0% interest rate |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| East Grand Forks | Down Payment Assistance Program | Up to $7,500 in down payment and closing costs assistance | Homebuyers that can meet income requirements and buying within the city limits of East Grand Forks | Second mortgage |
| Minneapolis | Homeownership Opportunity Minneapolis | Up to $10,000 in down payment assistance | Homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Minneapolis-St Paul | Community Keys Down Payment Assistance | up to $20,000 in down payment assistance | Homebuyers that can meet income requirements and buying within targeted neighborhoods | Loan |
| Minneapolis-St Paul | Neighborhood LIFT | up to $15,000 in down payment assistance | Homebuyers that can meet income requirements | Forgivable deferred loan with a 0% interest rate |
| Plymouth | First Time Homebuyer Program | Up to $35,000 in down payment and closing costs assitance | First time homebuyers that can meet income requirements | Second mortgage with a 0% interest rate |
| Rochester | Down Payment Assistance | Up to $10,000 in down payment and closing costs assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Sakan | Welcome Home Down Payment Assistance Program | up to $10,000 in down payment assistance | First time homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Shoreview | Shoreview First-time Homeowners Down Payment Assistance | up to $25,000 in down payment assistance | First time homebuyers that can meet income requirements | Loans with low or no interest rate |
| St. Paul | Downpayment Assistance | up to $40,000 in down payment assistance | Homebuyers that can meet income requirements | Loan and partial grant |
| Woodbury | First Time Home Ownership Program | Up to $25,000 in down payment and closing costs assistance | First time homebuyers that can meet income requirements | Second mortgage |
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