Deferred second loan
Affordable Housing Entry Cost Assistance Program
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD, manufactured home (real-property-titled).
Down payment assistance · Beltrami County
Buying a home in Bemidji, MN
2 Bemidji programs and 8 statewide.Bemidji has 2 programs of its own, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Bemidji addresses
Bemidji’s own programs
Deferred second loan
Down Payment Assistance Beltrami County HRA
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD, manufactured home (real-property-titled).
The Bemidji marketThe Bemidji housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Bemidji
- 47.3% single-familysingle-family
- 7.8% townhousetownhouse
- 7% 2–4 units2–4 units
- 32.1% 5+ unitscondo & apartment buildings (5+ units)
- 5.9% mobile & othermobile home & other
Condos count. All 2 of Bemidji’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bemidji’s homes were built
pre-19401970s2020+
48.2%
of Bemidji homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$95,800
County area median income, 4 people (HUD)HUD area median income, Beltrami County, 4-person household (2026)
$55,405
Bemidji median household incomeMedian household income in Bemidji (Census, 2024)
13 of the 72 programs here set their income limit as a share of Beltrami County’s area median income, adjusted for household size. See the published limits for Beltrami County
Free help nearbyFree help near Bemidji
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Minnesota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Bemidji questions
Does Bemidji have its own down payment program?
Yes, 2: Affordable Housing Entry Cost Assistance Program and Down Payment Assistance Beltrami County HRA. Each is for homes inside Bemidji.
Can I use assistance on a condo in Bemidji?
All 2 of Bemidji’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Beltrami County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Beltrami County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Bemidji?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
56601 · 56619
Nearby in Beltrami
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.