Deferred second loan
Home Ownership for Me
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD, manufactured home (real-property-titled).
Down payment assistance · Becker County
Buying a home in Detroit Lakes, MN
1 Detroit Lakes program and 8 statewide.Detroit Lakes has 1 program 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 Detroit Lakes addresses
Detroit Lakes’s own program
The Detroit Lakes marketThe Detroit Lakes housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Detroit Lakes
- 60.6% single-familysingle-family
- 6.4% townhousetownhouse
- 2.9% 2–4 units2–4 units
- 27.9% 5+ unitscondo & apartment buildings (5+ units)
- 2.2% mobile & othermobile home & other
Condos count. Detroit Lakes’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Detroit Lakes’s homes were built
pre-19401970s2020+
51%
of Detroit Lakes 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.
$98,100
County area median income, 4 people (HUD)HUD area median income, Becker County, 4-person household (2026)
$62,958
Detroit Lakes median household incomeMedian household income in Detroit Lakes (Census, 2024)
13 of the 71 programs here set their income limit as a share of Becker County’s area median income, adjusted for household size. See the published limits for Becker County
Free help nearbyFree help near Detroit Lakes
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Detroit Lakes’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Home Ownership for Me 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
Detroit Lakes questions
Does Detroit Lakes have its own down payment program?
Yes, one: Home Ownership for Me, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Detroit Lakes.
Can I use assistance on a condo in Detroit Lakes?
Detroit Lakes’s one local program accepts 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 Becker County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Becker 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 Detroit Lakes?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Detroit Lakes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
56501 · 56502
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.