Crow Wing County Housing Trust Fund Down Payment Assistance Program
Deferred second loan · Income limits
Down payment assistance · Crow Wing County
Buying a home in Cross Lake, MN
2 county programs and 8 statewide.Cross Lake has no program of its own, 2 across Crow Wing County, and 8 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Cross Lake
No program of Cross Lake’s own yet
No program run for Cross Lake alone is listed. A home in Cross Lake can use Crow Wing County’s programs below, plus the Minnesota statewide and federal ones.
The closest city that runs its own program is Duluth, about 95 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Crow WingAnywhere in Crow Wing County
2 county programs2 county programs a Cross Lake homebuyer can use
Income limits in Crow Wing County
How programs here set their income limits
$96,700
County area median income, 4 people (HUD)HUD area median income, Crow Wing County, 4-person household (2026)
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 Cross Lake
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Cross Lake’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
Cross Lake questions
Does Cross Lake have its own down payment program?
No program run for Cross Lake alone is listed. A home in Cross Lake can use the 2 programs that cover Crow Wing County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cross Lake?
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 Cross Lake?
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
56442
Nearby in Crow Wing
Sources
Sources: agency sites (June–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.