Deferred second loan
Gap program
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD, manufactured home (real-property-titled), 1-2 unit owner-occupied.
Down payment assistance · Goodhue County
Buying a home in Zumbrota, MN
1 Zumbrota program, 1 county program and 8 statewide.Zumbrota has 1 program of its own, 1 more across Goodhue 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 Zumbrota addresses
Zumbrota’s own program
Anywhere in GoodhueAnywhere in Goodhue County
1 county program1 county program a Zumbrota homebuyer can also use
The Zumbrota marketThe Zumbrota housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Zumbrota
- 72.7% single-familysingle-family
- 1.6% townhousetownhouse
- 9.2% 2–4 units2–4 units
- 9.6% 5+ unitscondo & apartment buildings (5+ units)
- 6.9% mobile & othermobile home & other
Condos count. All 2 of Zumbrota’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Zumbrota’s homes were built
pre-19401970s2020+
51.8%
of Zumbrota 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.
$114,100
County area median income, 4 people (HUD)HUD area median income, Goodhue County, 4-person household (2026)
$78,156
Zumbrota median household incomeMedian household income in Zumbrota (Census, 2024)
13 of the 72 programs here set their income limit as a share of Goodhue County’s area median income, adjusted for household size. See the published limits for Goodhue County
Free help nearbyFree help near Zumbrota
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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.
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
Zumbrota questions
Does Zumbrota have its own down payment program?
Yes, one: Gap program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Zumbrota.
Can I use assistance on a condo in Zumbrota?
All 2 of Zumbrota’s local and county programs accept condos. 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 Goodhue County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Goodhue 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 Zumbrota?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Zumbrota. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
55992
Nearby in Goodhue
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.