Repayable second loan
Shoreview First-time Homeowners Down Payment Assistance (Amortizing)
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium
Down payment assistance · Ramsey County
Buying a home in Shoreview, MN
2 Shoreview programs, 3 county programs and 8 statewide.Shoreview has 2 programs of its own, 3 more 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.
Find my programs Free · No credit pull · 90 seconds
Only for Shoreview addresses
Shoreview’s own programs
Deferred second loan
Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium
Anywhere in RamseyAnywhere in Ramsey County
3 county programs3 county programs a Shoreview homebuyer can also use
1 more program is for homes in Saint Paul. See them 1 program in neighboring cities — for homes inside those cities, not Shoreview
- Saint Paul — Downpayment Assistance Program
The Shoreview marketThe Shoreview housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Shoreview
- 59% single-familysingle-family
- 20.6% townhousetownhouse
- 1.7% 2–4 units2–4 units
- 17.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.5% mobile & othermobile home & other
Condos count. 3 of Shoreview’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 Shoreview’s homes were built
pre-19401970s2020+
48.5%
of Shoreview 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)
$108,370
Shoreview median household incomeMedian household income in Shoreview (Census, 2024)
16 of the 75 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 Shoreview
19 HUD-approved counseling agencies within 15 miles19 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Minnesota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Shoreview questions
Does Shoreview have its own down payment program?
Yes, 2: Shoreview First-time Homeowners Down Payment Assistance (Amortizing) and Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale). Each is for homes inside Shoreview.
Can I use assistance on a condo in Shoreview?
3 of Shoreview’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. 16 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 Shoreview?
HUD-approved housing counseling agencies teach homebuyer classes, and 19 agencies are within 15 miles of Shoreview. 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.