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Down payment assistance income limits in Minnesota

68 down payment assistance programs in Minnesota publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Minnesota county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Minnesota
CountyPublished4-person median
Aitkin2026$83,800
Anoka2026$131,500
Becker2026$98,100
Beltrami2026$95,800
Benton2026$107,100
Big Stone2026$101,700
Blue Earth2026$106,500
Brown2026$95,500
Carlton2026$101,100
Carver2026$131,500
Cass2026$88,300
Chippewa2026$97,500
Chisago2026$131,500
Clay2026$115,200
Clearwater2026$90,400
Cook2026$95,700
Cottonwood2026$97,800
Crow Wing2026$96,700
Dakota2026$131,500
Dodge2026$135,800
Douglas2026$105,900
Faribault2026$88,200
Fillmore2026$98,800
Freeborn2026$91,600
Goodhue2026$114,100
Grant2026$95,600
Hennepin2026$131,500
Houston2026$105,800
Hubbard2026$92,900
Isanti2026$131,500
Itasca2026$92,900
Jackson2026$99,100
Kanabec2026$93,500
Kandiyohi2026$101,400
Kittson2026$107,000
Koochiching2026$88,100
Lac Qui Parle2026$99,300
Lake2026$99,900
Lake Of The Woods2026$99,100
Le Sueur2026$116,800
Lincoln2026$91,500
Lyon2026$102,300
Mahnomen2026$76,300
Marshall2026$98,700
Martin2026$86,100
Mcleod2026$107,300
Meeker2026$101,900
Mille Lacs2026$92,900
Morrison2026$91,300
Mower2026$97,800
Murray2026$97,400
Nicollet2026$106,500
Nobles2026$83,300
Norman2026$97,500
Olmsted2026$135,800
Otter Tail2026$99,700
Pennington2026$111,300
Pine2026$90,800
Pipestone2026$88,000
Polk2026$106,800
Pope2026$103,900
Ramsey2026$131,500
Red Lake2026$106,700
Redwood2026$92,100
Renville2026$94,200
Rice2026$108,400
Rock2026$106,100
Roseau2026$95,900
Saint Louis2026$101,100
Scott2026$131,500
Sherburne2026$131,500
Sibley2026$105,600
Stearns2026$107,100
Steele2026$117,000
Stevens2026$100,400
Swift2026$82,700
Todd2026$83,500
Traverse2026$91,100
Wabasha2026$107,400
Wadena2026$88,700
Waseca2026$95,600
Washington2026$131,500
Watonwan2026$100,200
Wilkin2026$98,100
Winona2026$106,300
Wright2026$131,500
Yellow Medicine2026$95,800

Published limits by program

Published income limits and purchase price caps by program in Minnesota
ProgramIncome limitPrice cap
Advancing Black Homeownership Community Fund DPA ProgramMultiple · Multiple$132,400Combined gross income of ALL buyers must be $132,400 or less. Single-band income test (not tiered by household size). Per ABHCF program guidelines.$659,550
AEOA First Time Homebuyer Assistance ProgramSt. Louis; Lake; Cook80% of area median incomeAt/below 80% HUD AMI, varies by county. St. Louis/Lake/Cook: 1p $40,550; 2p $46,350; 3p $52,150; 4p $57,900; 5p $62,550; 6p $67,200; 7p $71,800; 8p $76,450—
Affordable Housing Entry Cost Assistance ProgramBemidji · Beltrami|Clearwater|Hubbard|Lake of the Woods|MahnomenSee programIncome limits vary by funding cycle. Generally aligned with 80% AMI HUD non-metro NW Minnesota tier. Contact HRDC for current limits.—
Austin/Mower County Homeownership Fund (A/MCHF)Austin · Mower$95,000$85,000 (smaller household) up to $95,000 (larger household). Local A/MCHF guidelines (broader than HUD AMI).$195,000
Blaine Down Payment Assistance LoanBlaine · Anoka90% of area median incomeHousehold income must not exceed 90% of Area Median Income based on household size and adjusted gross income from the most recent tax return.$450,000
Brooklyn Center First Time Homebuyer Down Payment Assistance LoanBrooklyn Center · Hennepin80% of area median incomeAt/below 80% AMI. Gross assets must not exceed $10,000 excluding retirement accounts—
Brooklyn Park Down Payment Assistance LoanBrooklyn Park · Hennepin115% of area median income115% of Area Median Income; income determined by Adjusted Gross Income from most recent tax return and household size.$515,200
Burnsville Down Payment Assistance Deferred LoanBurnsville · Dakota80% of area median incomeBorrower(s) may not exceed 80% AMI for the Minneapolis-St. Paul-Bloomington MSA, by household size and adjusted gross income. Program PDF references HUD limits by household size rather than printing a table; 4-person 80% AMI figure ($105,200) derived from HUD/Met Council FY2026 limits, not printed on the program PDF.$410,000
Carver County CDA Down Payment & Closing Cost Assistance ProgramCarver100% of area median incomeGross household income at or below 100% of Carver County AMI, currently $132,400 (2025); not adjusted for household size.$415,000
City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)Minneapolis · Hennepin80% of area median incomeHousehold income must be less than 80% AMI at the time of CLCLT HIP closing (Minneapolis-St. Paul-Bloomington MSA).—
City of Moorhead First & New Home IncentiveMoorhead · ClaySee programNo income limits and no purchase price limits—
City of Woodbury First-Time Homeownership Assistance ProgramWoodbury · Washington$158,000Total gross annual household income must not exceed $158,000 (all members, all sources). Flat dollar limit, not AMI-based. Increased from $146,000 (2022) over time.$451,500
Community Keys Plus Down Payment AssistanceHennepin|Ramsey|Washington|Dakota|Anoka80% of area median incomeHousehold income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MN-WI HMFA: 1-person $68,500 to 8-person $129,100 (FY2025 limits).$700,000
Coon Rapids Down Payment Assistance LoanCoon Rapids · Anoka110% of area median incomeAt/below 110% AMI based on household size—
Crow Wing County Housing Trust Fund Down Payment Assistance ProgramBrainerd · Crow WingSee programCrow Wing County family median household income limits by size (updated May 2023); housing cost cannot exceed 30% of gross household income.—
Down Payment Assistance Beltrami County HRABemidji · Beltrami$109,800Beltrami County HRA income limits: $83,200 (1-2 person) up to $109,800 (3+ person). Aligned with 100-110% HUD AMI Beltrami County tier.—
Down Payment Assistance Deferred LoanSt. Louis Park · Hennepin$124,900$117,300 (1-2 person) up to $124,900 (3+ person). Aligned with 100-110% AMI Minneapolis-St. Paul MSA.—
Down Payment Assistance LoanCoon Rapids · Anoka110% of area median incomeHousehold income at or below 110% HUD AMI for Minneapolis-St. Paul-Bloomington MSA, varies by household size.—
Downpayment and Closing Cost AssistanceVirginia · Aitkin|Carlton|Cook|Itasca|Koochiching|Lake|St. Louis80% of area median income80% AMI HUD non-metro NE Minnesota tier: $53,350 (1-person) up to $96,250 (4-person ceiling). Verify by household size at intake.—
Downpayment Assistance ProgramSaint Paul · Ramsey$203,700$68,500 (1-person 80% AMI) up to $203,700 (4+ person 140% AMI). Tiered scaling by household size and AMI band per Saint Paul PED guidelines (broader than typical 80%-only DPA).—
First Generation Down Payment Assistance100% of area median incomeHousehold income at or below 100% AMI for Minneapolis-St. Paul-Bloomington MSA: 1-person $111,700 to 4-person $124,200 (FY2025 program limit).—
First Homes CLT Gap Loan (Down Payment & Closing Cost Assistance)Rochester · Olmsted, Dodge, Mower, Wabasha, Winona, Goodhue, Fillmore80% of area median incomeAt or below 80% AMI per PDF guidelines (6/2/2025): Olmsted & Dodge $100,500; other counties $93,600. Website (6/1/2026) shows $106,800 / $95,100 — use current HUD AMI figures annually.—
First Homes Community Land Trust (CLT) Homeownership ProgramRochester · Olmsted, Dodge, Mower, Wabasha, Winona, Goodhue, Fillmore80% of area median incomeAt or below 80% AMI. Olmsted & Dodge Counties: $106,800 (6/1/2026); other 5 counties: $95,100. Asset limit $50,000 (excluding retirement accounts).—
First Time Homebuyer programPlymouth · Hennepin80% of area median incomeHousehold income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MN-WI HMFA: 1-person $72,950 to 8-person $137,550 (FY2025 limits, current as of April 2026).—
First-generation homeownership programSt. Louis Park · Hennepin80% of area median income80% AMI Minneapolis-St. Paul MSA: $58,650 (1-person) up to $89,400 (4+ person).—
First-Time Homebuyer Grant ProgramShakopee · Scott$142,800$124,200 (1-2 person) up to $142,800 (3+ person). Aligned with HUD AMI Minneapolis-St. Paul MSA tier.$405,000
First-Time Homebuyer ProgramEden Prairie · Hennepin80% of area median incomeHousehold income at or below 80% HUD AMI for the Minneapolis-St. Paul-Bloomington MN-WI HMFA: 1-person $68,500 to 8-person $129,100 (FY2025 limits, current as of April 2026).—
FirstHome Down Payment Assistance ProgramSt. Paul · Ramsey$174,800$72,950 (1-person) up to $174,800 (4+ person). Aligned with HUD AMI Minneapolis-St. Paul MSA - tiered by household size.$372,600
Fridley Down Payment Assistance Deferred LoanFridley · Anoka110% of area median income110% AMI by household size (adjusted gross income). Tier 1 (≤80% AMI): up to $10,000; Tier 2 (>80% to <110% AMI): up to $5,000. 2026 HUD (Minneapolis-St. Paul MSA) 80% 4-person $105,200; 110% 4-person $144,650. Full 1–8 person tables in income-limit PDF.—
Gap programZumbrota · Wabasha|Goodhue|Olmsted|Dodge|Steele|Rice|Houston|Fillmore|Winona$123,750$62,650 (1-person) up to $123,750 (4+ person). Aligned with HUD AMI SE Minnesota tiers (Rochester MSA / non-metro counties).$604,400
Goodhue County Housing Trust Fund Workforce Housing Assistance ProgramRed Wing · Goodhue$167,000Up to $167,000 household income (workforce-broad - higher than typical AMI). Specific income tier scaling by household size per SEMMCHRA / Goodhue County HTF guidelines.$472,030
Grow North Down Payment AssistanceMinneapolis · Hennepin115% of area median incomeHousehold income at or below 115% HUD AMI for Minneapolis-St. Paul-Bloomington MSA: 1-person $72,950 to 8-person $137,550 (FY2025 limits).—
Growing Affordable, Inclusive Neighborhoods (GAIN) in Olmsted CountyRochester · Olmsted80% of area median incomeGross annual household income less than 80% of AMI (HUD, by household size). 2025 80% AMI (eff. 04-01-2025): 1p $70,350; 2p $80,400; 3p $90,450; 4p $100,500; 5p $108,550; 6p $116,600; 7p $124,650; 8p $132,700. Original ARPA criteria also allowed qualification via HUD qualified census tract or COVID-impacted-industry employment.$350,000
Hennepin County HRA Homebuyer Assistance ProgramHennepin115% of area median incomeHousehold income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MN-WI HMFA: 1-person $72,950 to 8-person $137,550 (FY2025 limits, current as of April 2026).—
HHDC Affordable Housing Entry Cost Assistance ProgramBeltrami; Clearwater; Hubbard; Mahnomen; Lake of the Woods110% of area median incomeHousehold income cannot exceed 110% of state median income (not adjusted for family size); uses MHFA CRV income limits. No more than $7,500 liquid assets after closing—
Home Ownership for MeDetroit Lakes · Becker|Clay|Mahnomen|Norman|Polk|Wilkin|Otter Tail|Hubbard|Wadena|Cass$128,455$49,400 (1-person) up to $128,455 (4+ person). Tiered by household size and county per HUD AMI NW Minnesota.—
Homeownership Opportunity Minneapolis (HOM) Down Payment AssistanceMinneapolis · HennepinSee programIncome below ~$108,500 (tiered).—
Homes Within Reach ProgramMinnetonka · Hennepin80% of area median income80% AMI Minneapolis-St. Paul MSA: $72,950 (1-person) up to $106,000 (4+ person).—
Homestead Incentive Loan ProgramSt. Cloud · Stearns|Benton|Sherburne$128,500$111,800 (1-2 person) up to $128,500 (3+ person). St. Cloud HRA local guidelines.$300,000
Minneapolis DPA ProgramMinneapolis · Hennepin80% of area median income$400,000
Minneapolis Homes: Access Down Payment AssistanceMinneapolis · Hennepin80% of area median incomeHousehold income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MSA. 50% AMI tier and 51-80% AMI tier each have separate caps. Range: 1-person $52,150 (50% AMI) to 8-person $129,100 (80% AMI) FY2025.—
Minneapolis: Webber-Camden Down Payment Assistance LoanMinneapolis · HennepinSee programNo income limits.—
Minnesota Housing - Deferred Payment Loan (DPL)Statewide · Statewide80% of area median incomeMinnesota Housing 2026 Start Up income limits (combined household gross income, all earners): roughly $75,000 (1-2 person Greater Minnesota lower-cost counties) up to $146,000 (3+ person high-income 11-county Twin Cities metro). Limits vary by county and household size and adjust annually with HUD AMI updates. Verify current limits on Minnesota Housing Homeownership Income Limits page.$659,550
Minnesota Housing - Deferred Payment Loan Plus (DPL+)Statewide · Statewide80% of area median incomeMinnesota Housing 2026 Start Up income limits (combined household gross income, all earners): roughly $75,000 (1-2 person Greater Minnesota lower-cost counties) up to $146,000 (3+ person high-income 11-county Twin Cities metro). Same income limits as standard DPL. Limits vary by county and household size and adjust annually with HUD AMI updates.$659,550
Minnesota Housing - Monthly Payment Loan (MPL)Statewide · Statewide$159,900Minnesota Housing 2026 Step Up income limits (combined household gross income, all earners): roughly $116,900 (1-2 person Greater Minnesota lower-cost counties) up to $159,900 (3+ person 11-county Twin Cities metro). Higher than DPL/DPL+ Start Up limits, enabling middle-income / repeat homebuyer access. Limits vary by county and household size and adjust annually with HUD AMI updates.$659,550
Minnesota Housing Start Up100% of area median income—
Minnetonka Down Payment Assistance Deferred LoanMinnetonka · Hennepin120% of area median incomeTotal gross annual household income cannot exceed 120% of AMI based on household size (HUD, adjusted annually).$500,000
Minnetonka Pathways to Homeownership ProgramMinnetonka · Hennepin120% of area median incomeTotal gross annual household income cannot exceed 120% of AMI (family size of four for 1-4 person households; increases for larger families). HUD limits, adjusted annually.$500,000
MMCDC Rural Down-Payment LoanSee programNot published on program page; follows MMCDC mortgage-lending focus on lower-income households (unconfirmed specifics).—
Near North/Willard-Hay Homebuyer Entry Cost AssistanceMinneapolis · HennepinSee programIncome limits per Minneapolis CPED / NRRC guidelines; typically aligned with 80% HUD AMI for Minneapolis-St. Paul-Bloomington MSA.—
Northfield First-Time Homebuyer ProgramNorthfield · Rice80% of area median incomeHousehold income <= 80% of Dakota County AMI. As of 6/1/2026, Dakota County AMI $131,500; 80% limits: 1=$73,650;2=$84,200;3=$94,700;4=$105,200;5=$113,650;6=$122,050;7=$130,450;8=$138,900.—
One Roof Community Housing Down Payment & Closing Cost Assistance (Duluth)Duluth · St. Louis$53,750Total household income not more than $53,750 (figure as published on program page; not stated as a %AMI).—
Plymouth First-Time Homebuyer ProgramPlymouth · Hennepin80% of area median incomeAt/below 80% AMI adjusted by household size per HUD; revised yearly—
Purchase Assistance LoanDuluth · St. Louis|Carlton|Itasca|Lake|Cook80% of area median income80% AMI Duluth MSA: $53,350 (1-person) up to $100,550 (8-person). Verify by household size at intake.—
Richfield First Time Homebuyer LoanRichfield · Hennepin$105,200Income limits (updated April 2025): 1=$73,650;2=$84,200;3=$94,700;4=$105,200;5=$113,650;6=$122,050;7=$130,450;8=$138,900.—
Rondo Community Land Trust Homebuyer Initiated Program (HIP)Saint Paul · Ramsey80% of area median incomeHousehold income <= 80% of AMI at closing.—
Scott County CDA First-Time Homebuyer GrantScottSee programCDA-set limits by household size (2026): 1–2 persons max $132,400/yr; 3+ persons max $152,200/yr. Income from all members 18+ and all mortgage parties; full-time student dependents excluded. These exceed standard 80% AMI ($104,200 4-person FY2025) — approximately 100–115% AMI equivalent.$425,000
Shoreview First-time Homeowners Down Payment Assistance (Amortizing)Shoreview · Ramsey120% of area median incomeHousehold income above 80% and at or below 120% HUD AMI for Minneapolis-St. Paul-Bloomington MSA: 1-person $104,950 to 4-person $197,850 (FY2025).$425,000
Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)Shoreview · Ramsey80% of area median incomeHousehold income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MSA: 1-person $66,300 to 4-person $124,950 (FY2025).$425,000
St. Louis Park Down Payment Assistance Deferred Loan (First-Time Homebuyer)St. Louis Park · Hennepin115% of area median income100% AMI for households of 2 or fewer; 115% AMI for households of 3 or more—
St. Louis Park First Generation Down Payment Assistance LoanSt. Louis Park · HennepinSee programIncome limits apply; loan amount depends on household income and purchase price; specific AMI threshold not published—
SWMHP Partnership Community Land TrustBlue Earth; Nicollet; Brown; Watonwan; Cottonwood; Jackson60% of area median incomeGenerally at/below 60% AMI (approx $43,200 for 2-person, $54,000 for 4-person, subject to change)—
Three Rivers Community Action Gap Financing ProgramBlue Earth|Brown|Dodge|Faribault|Fillmore|Freeborn|Goodhue|Houston|Le Sueur|Martin|Mower|Nicollet|Olmsted|Rice|Sibley|Steele|Wabasha|Waseca|Watonwan|Winona80% of area median incomeCombined gross household income below 80% of state median income (June 2, 2025): Olmsted & Dodge $100,500; all other counties $93,600.—
TruePath Mortgage (TCHFH Lending, Inc.)Saint Paul · RamseySee programMust meet TCHFH income eligibility guidelines (7-county metro).—
Two Rivers Community Land Trust Homeownership ProgramWashington80% of area median income2025 gross annual income limits by household size (MHFA/HUD): 1-person $72,950; 2-person $83,400; 3-person $93,800; 4-person $104,200; 5+ $106,000. Approximately 80% AMI for Washington County / Minneapolis-St. Paul MSA.—
Washington County CDA First-Generation Homebuyer Grant ProgramWashington115% of area median incomeHousehold income at or below 115% of Area Median Income (Minneapolis-St. Paul-Bloomington MSA). Program page does not publish a dollar table; contact CDA for current limits by household size.—
Welcome Home (Sakan) Down Payment AssistanceSaint Paul · Ramsey130% of area median incomeGross household income from all sources <= 130% of HUD Minneapolis/St. Paul Metro AMI.$766,550
White Earth Investment Initiative Down-Payment Assistance LoanSee programNot published on program page (unconfirmed).—

Questions, answered

What are the income limits for down payment assistance in Minnesota?

68 down payment assistance programs in Minnesota publish an income limit, a purchase price cap, or both. 42 express the limit as a percentage of the area median income for the county where the home is, and 40 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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