Hennepin County HRA Homebuyer Assistance Program
Forgivable loan · Forgiven over 10 yrs · Income limit 115% of AMI
Single-family detached, Townhome, Condominium, 2-4 unit owner-occupied
See details Jul 2026
Down payment assistance · Minnesota
Buying a home in Hennepin County, MN
2 county-wide programs, 8 cities with their own, plus 6 statewide and 62 nationwide.Hennepin has 2 programs that cover the whole county and 8 cities with a program of their own. On top of those, 6 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in HennepinAnywhere in Hennepin County
2 programs for every Hennepin address2 programs that cover every Hennepin address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Minneapolis, Brooklyn Park or Plymouth can use them. All 2 ask for a homebuyer class.
Homes Within Reach Program
Down-payment assistance · New construction · Income limit 80% of AMI
HWR portfolio single-family detached homes and townhomes in West/SW Hennepin County. CLT structure - 99-year ground lease.
See details Aug 2026
AMI is HUD’s area median income for Hennepin, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
8 cities with their own program8 Hennepin cities with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
Brooklyn CenterCity page Brooklyn Center First Time Homebuyer Down Payment Assistance LoanBrooklyn ParkCity page Brooklyn Park Down Payment Assistance LoanEden PrairieCity page First-Time Homebuyer ProgramMinneapolisCity page Homeownership Opportunity Minneapolis (HOM) Down Payment AssistanceMinneapolis DPA ProgramMinneapolis Homes: Access Down Payment AssistanceNear North/Willard-Hay Homebuyer Entry Cost AssistanceMinneapolis: Webber-Camden Down Payment Assistance LoanCity of Lakes Community Land Trust Homebuyer Initiated Program (HIP)Grow North Down Payment AssistanceMinnetonkaCity page Minnetonka Pathways to Homeownership ProgramMinnetonka Down Payment Assistance Deferred LoanPlymouthCity page Plymouth First-Time Homebuyer ProgramFirst Time Homebuyer programRichfieldCity page Richfield First Time Homebuyer LoanSt. Louis ParkCity page St. Louis Park Down Payment Assistance Deferred Loan (First-Time Homebuyer)Down Payment Assistance Deferred LoanFirst-generation homeownership programSt. Louis Park First Generation Down Payment Assistance Loan
The Hennepin marketThe Hennepin housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Hennepin
- 52% single-familysingle-family
- 8% townhousetownhouse
- 5.8% 2–4 units2–4 units
- 33.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. 1 of the 2 county-wide programs list condos as eligible. Homes Within Reach Program lists hwr portfolio single-family detached homes and townhomes in west/sw hennepin county. clt structure - 99-year ground lease..
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hennepin’s homes were built
pre-19401970s2020+
59.8%
of Hennepin 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.
$131,500
HUD area median income, 4 people (FY2026)HUD area median income, Hennepin County, 4-person household (FY2026)
$97,653
Median household income (ACS 2024 5-year)Median household income in Hennepin (Census ACS 2024 5-year)
62.7%
of occupied homes are owner-occupied (Minnesota: 72.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 28 of the 89 programs here set their income limit as a share of Hennepin County’s area median income, adjusted for household size. See the published limits for Hennepin County
Free help in HennepinFree help in Hennepin
8 HUD-approved counseling agencies with an office in the county8 HUD-approved housing counseling agencies with an office in Hennepin County
21 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 21 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
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Hennepin County.
39 cities and placesA to Z
All cities in Hennepin CountyAll 39 cities and places in Hennepin County
has a program of its own
- Bloomington
- Brooklyn Center
- Brooklyn Park
- Champlin
- Corcoran
- Crystal
- Dayton
- Deephaven
- Eden Prairie
- Edina
- Excelsior
- Golden Valley
- Greenfield
- Hopkins
- Independence
- Long Lake
- Maple Grove
- Maple Plain
- Medina
- Minneapolis
- Minnetonka
- Minnetonka Mills
- Minnetrista
- Mound
- New Hope
- Orono
- Osseo
- Plymouth
- Richfield
- Robbinsdale
- Rogers
- Saint Anthony
- Saint Bonifacius
- Saint Louis Park
- Shorewood
- Spring Park
- Tonka Bay
- Wayzata
- West Coon Rapids
Hennepin questions
Can I use a county program anywhere in Hennepin?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Brooklyn Center’s and Brooklyn Park’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Hennepin County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Hennepin programs accept condos?
1 of the 2 county-wide programs list condos as eligible. Homes Within Reach Program lists hwr portfolio single-family detached homes and townhomes in west/sw hennepin county. clt structure - 99-year ground lease.. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Hennepin?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies have an office in Hennepin County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.