First-Time Homebuyer Grant Program
Assistance grant · New construction · Income limits
Single-family detached, condominium (project-approved), townhouse, PUD, manufactured home (real-property-titled).
See details Jul 2026
Down payment assistance · Minnesota
Buying a home in Scott County, MN
2 county-wide programs, plus 6 statewide and 62 nationwide.Scott has 2 programs that cover the whole county. 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 ScottAnywhere in Scott County
2 programs for every Scott address2 programs that cover every Scott address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Shakopee, Savage or Prior Lake can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Scott County CDA First-Time Homebuyer Grant
Assistance grant · New construction · Income limits
Single Family, Condo, Townhome
See details Aug 2026
The Scott marketThe Scott housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Scott
- 70.8% single-familysingle-family
- 16% townhousetownhouse
- 1.8% 2–4 units2–4 units
- 9.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
Condos count. All 2 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Scott’s homes were built
pre-19401970s2020+
23.3%
of Scott 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, Scott County, 4-person household (FY2026)
$119,314
Median household income (ACS 2024 5-year)Median household income in Scott (Census ACS 2024 5-year)
83.8%
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. 13 of the 70 programs here set their income limit as a share of Scott County’s area median income, adjusted for household size. See the published limits for Scott County
Free help in ScottFree help in Scott
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Scott County
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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Scott County.
6 cities and placesA to Z
All cities in Scott CountyAll 6 cities and places in Scott County
Scott questions
Can I use a county program anywhere in Scott?
The 2 county-wide programs cover homes anywhere in the county. City programs 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 Scott 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 Scott programs accept condos?
All 2 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Scott?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Scott 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.