Down payment assistance · Minnesota

Buying a home in Minnesota

71 programs: 8 statewide, the rest run by counties and 20 cities. What you can use depends on where the home is.71 programs across Minnesota: 8 statewide, the rest run by counties and 20 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Hennepin	21	$392,900	$131,500	See Hennepin
Ramsey	6	$326,600	$131,500	See Ramsey
Anoka	4	$346,500	$131,500	See Anoka
Washington	3	$422,000	$131,500	See Washington
All 87 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–August 2026.

Anywhere in Minnesota

8 statewide programs

Up to $50,000

Welcome Home (Sakan) Down Payment Assistance

Forgivable loan · Forgiven over 10 yrs · Income limits · First-time

See details

Up to $32,000

First Generation Down Payment Assistance

Forgivable loan · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $17,000

Minnesota Housing Start Up

Deferred second loan · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

37 HUD-approved counseling agencies in Minnesota37 HUD-approved housing counseling agencies in Minnesota

All 8 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 8 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in MinnesotaArea median income for all 87 counties, and the limit each program sets.See the limits

Minnesota questions

What is Welcome Home (Sakan) Down Payment Assistance?

Welcome Home (Sakan) Down Payment Assistance, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits), open anywhere in Minnesota and run by NeighborWorks Home Partners. Its page has the details and a link to the official site.

Which Minnesota counties run their own programs?

17 counties of 87 have a county or city program listed, among them Hennepin, Ramsey, Anoka and Washington. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Minnesota?

Many programs ask for one. 8 of the 8 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Minnesota condo?

6 of the 8 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.

20 Minnesota cities with their own program