FirstHome Down Payment Assistance Program
Forgivable loan · Forgiven over 20 yrs · Income limits
Down payment assistance · Ramsey County
Buying a home in North Saint Paul, MN
3 county programs and 8 statewide.North Saint Paul has no program of its own, 3 across Ramsey County, 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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What’s local to North Saint Paul
No program of North Saint Paul’s own yet
No program run for North Saint Paul alone is listed. A home in North Saint Paul can use Ramsey County’s programs below, plus the Minnesota statewide and federal ones.
The closest city that runs its own program is Woodbury, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in RamseyAnywhere in Ramsey County
3 county programs3 county programs a North Saint Paul homebuyer can use
3 more programs are for homes in Saint Paul and Shoreview. See them 3 programs in neighboring cities — for homes inside those cities, not North Saint Paul
- Saint Paul — Downpayment Assistance Program
- Shoreview — Shoreview First-time Homeowners Down Payment Assistance (Amortizing)
- Shoreview — Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)
The North Saint Paul marketThe North Saint Paul housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in North Saint Paul
- 68% single-familysingle-family
- 6.5% townhousetownhouse
- 3.5% 2–4 units2–4 units
- 22% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of North Saint Paul’s 3 local and county programs accept condos. Rondo Community Land Trust Homebuyer Initiated Program (HIP) lists single family and 2-4 unit. TruePath Mortgage (TCHFH Lending, Inc.) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When North Saint Paul’s homes were built
pre-19401970s2020+
66.7%
of North Saint Paul 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
County area median income, 4 people (HUD)HUD area median income, Ramsey County, 4-person household (2026)
$84,797
North Saint Paul median household incomeMedian household income in North Saint Paul (Census, 2024)
14 of the 73 programs here set their income limit as a share of Ramsey County’s area median income, adjusted for household size. See the published limits for Ramsey County
Free help nearbyFree help near North Saint Paul
17 HUD-approved counseling agencies within 15 miles17 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
North Saint Paul questions
Does North Saint Paul have its own down payment program?
No program run for North Saint Paul alone is listed. A home in North Saint Paul can use the 3 programs that cover Ramsey County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in North Saint Paul?
1 of North Saint Paul’s 3 local and county programs accept condos. Rondo Community Land Trust Homebuyer Initiated Program (HIP) lists single family and 2-4 unit. TruePath Mortgage (TCHFH Lending, Inc.) 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 Ramsey County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Ramsey 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 North Saint Paul?
HUD-approved housing counseling agencies teach homebuyer classes, and 17 agencies are within 15 miles of North Saint Paul. Create a free account and take the 90-second match to see the ones near you.
Nearby in Ramsey
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.