Deferred second loan
Crow Wing County Housing Trust Fund Down Payment Assistance Program
Income limits
Down payment assistance · Crow Wing County
Buying a home in Brainerd, MN
2 Brainerd programs and 8 statewide.Brainerd 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.
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Only for Brainerd addresses
Brainerd’s own programs
Repayable second loan
Crow Wing County Housing Trust Fund Workforce Housing Assistance Program
The Brainerd marketThe Brainerd housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Brainerd
- 58.2% single-familysingle-family
- 5.4% townhousetownhouse
- 7.4% 2–4 units2–4 units
- 24.3% 5+ unitscondo & apartment buildings (5+ units)
- 4.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Brainerd’s homes were built
pre-19401970s2020+
60.6%
of Brainerd 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.
$96,700
County area median income, 4 people (HUD)HUD area median income, Crow Wing County, 4-person household (2026)
$56,111
Brainerd median household incomeMedian household income in Brainerd (Census, 2024)
13 of the 72 programs here set their income limit as a share of Crow Wing County’s area median income, adjusted for household size. See the published limits for Crow Wing County
Free help nearbyFree help near Brainerd
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Brainerd’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Crow Wing County Housing Trust Fund Down Payment Assistance Program asks 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.
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Across Minnesota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Brainerd questions
Does Brainerd have its own down payment program?
Yes, 2: Crow Wing County Housing Trust Fund Down Payment Assistance Program and Crow Wing County Housing Trust Fund Workforce Housing Assistance Program. Each is for homes inside Brainerd.
Can I use assistance on a condo in Brainerd?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Crow Wing County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Crow Wing 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 Brainerd?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Brainerd. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
56401
Nearby in Crow Wing
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.