Deferred second loan
One Roof Community Housing Down Payment & Closing Cost Assistance (Duluth)
Income limits · Single Family
Down payment assistance · St. Louis County
Buying a home in Duluth, MN
2 Duluth programs and 8 statewide.Duluth 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 Duluth addresses
Duluth’s own programs
Deferred second loan
Purchase Assistance Loan
First-time homebuyers · New construction · Income limits · Single-family detached, condominium (project-approved), townhouse, PUD, manufactured home (real-property-titled), 1-2 unit owner-occupied.
The Duluth marketThe Duluth housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Duluth
- 59.6% single-familysingle-family
- 2.8% townhousetownhouse
- 13.4% 2–4 units2–4 units
- 21.9% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
Condos count. 1 of Duluth’s 2 local and county programs accept condos. One Roof Community Housing Down Payment & Closing Cost Assistance (Duluth) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Duluth’s homes were built
pre-19401970s2020+
77.8%
of Duluth 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.
$101,100
County area median income, 4 people (HUD)HUD area median income, St. Louis County, 4-person household (2026)
$68,807
Duluth median household incomeMedian household income in Duluth (Census, 2024)
14 of the 72 programs here set their income limit as a share of St. Louis County’s area median income, adjusted for household size. See the published limits for St. Louis County
Free help nearbyFree help near Duluth
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
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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Across Minnesota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Duluth questions
Does Duluth have its own down payment program?
Yes, 2: One Roof Community Housing Down Payment & Closing Cost Assistance (Duluth) and Purchase Assistance Loan. Each is for homes inside Duluth.
Can I use assistance on a condo in Duluth?
1 of Duluth’s 2 local and county programs accept condos. One Roof Community Housing Down Payment & Closing Cost Assistance (Duluth) lists single family. 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 St. Louis County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for St. Louis 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 Duluth?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Duluth. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
55801 · 55802 · 55803 · 55804 · 55805 · 55806 · 55807 · 55808 · 55810 · 55811 · 55812 · 55814 · 55815 · 55816
Nearby in St. Louis
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.