Forgivable loan
Welcome Home (Sakan) Down Payment Assistance
First-time homebuyers · Income limits · Single Family · 2-4 Unit · Townhouse
Down payment assistance · Ramsey County
Buying a home in Saint Paul, MN
4 Saint Paul programs, 1 county program and 7 statewide.Saint Paul has 4 programs of its own, 1 more across Ramsey County, and 7 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 Saint Paul addresses
Saint Paul’s own programs
Forgivable loan
Downpayment Assistance Program
First-time homebuyers · Income limits · Single-family detached, condominium (project-approved), townhouse, PUD, 1-2 unit owner-occupied.
Assistance grant
Rondo Community Land Trust Homebuyer Initiated Program (HIP)
Income limits · Single Family · 2-4 Unit
First mortgage
TruePath Mortgage (TCHFH Lending, Inc.)
First-time homebuyers · Income limits · Single Family
Anywhere in RamseyAnywhere in Ramsey County
1 county program1 county program a Saint Paul homebuyer can also use
The Saint Paul marketThe Saint Paul housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saint Paul
- 48.5% single-familysingle-family
- 4.1% townhousetownhouse
- 10.4% 2–4 units2–4 units
- 36.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. 3 of Saint Paul’s 5 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 Saint Paul’s homes were built
pre-19401970s2020+
77.6%
of 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)
$73,394
Saint Paul median household incomeMedian household income in Saint Paul (Census, 2024)
14 of the 74 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 Saint Paul
21 HUD-approved counseling agencies within 15 miles21 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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
69 statewide & federal programs7 statewide programs, plus federal options
Saint Paul questions
Does Saint Paul have its own down payment program?
Yes, 4: Welcome Home (Sakan) Down Payment Assistance, Downpayment Assistance Program, Rondo Community Land Trust Homebuyer Initiated Program (HIP) and TruePath Mortgage (TCHFH Lending, Inc.). Each is for homes inside Saint Paul.
Can I use assistance on a condo in Saint Paul?
3 of Saint Paul’s 5 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 Saint Paul?
HUD-approved housing counseling agencies teach homebuyer classes, and 21 agencies are within 15 miles of Saint Paul. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
55101 · 55102 · 55103 · 55104 · 55105 · 55106 · 55107 · 55108 · 55109 · 55110 · 55111 · 55112 · 55113 · 55114 · 55115 · 55116 · 55117 · 55118 · 55119 · 55120 · 55121 · 55122 · 55123 · 55124 · 55125 · 55126 · 55127 · 55128 · 55129 · 55133 · 55144 · 55145 · 55146 · 55155 · 55161 · 55164 · 55165 · 55166 · 55168 · 55169 · 55170 · 55171 · 55172 · 55175 · 55177 · 55182 · 55187 · 55188 · 55190 · 55191
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.