Minnesota down payment assistance at a glance
Minnesota Housing offers the Start Up (first-time buyers) and Step Up (repeat and first-time buyers) first-mortgage programs, paired with down payment and closing cost loans.
Want the full Minnesota breakdown? Our dedicated Minnesota guide covers programs, local options, and current details: visit the Minnesota DPA guide →
Statewide programs
Start Up
A first-mortgage program for eligible first-time buyers that pairs with Minnesota Housing assistance.
Step Up
A first-mortgage program available to eligible repeat and first-time buyers.
Deferred Payment Loan
An interest-free loan with no monthly payment, repaid when you sell, refinance, or pay off the first mortgage.
Monthly Payment Loan
An assistance loan repaid in monthly installments for buyers with somewhat higher incomes.
Program names, amounts, and eligibility change frequently and funding can pause. Always confirm current terms with a participating lender or the program administrator.
Local and city programs
Minneapolis, St. Paul, and many counties and nonprofits offer additional assistance, sometimes layered with Minnesota Housing programs.
What Minnesota buyers should know
- Deferred and monthly-payment loans have different income limits — your lender will check which you qualify for.
- Homebuyer education is typically required.
Next step
Matthew Brown is licensed in Minnesota and can check which statewide and local programs fit your income, credit, and the home you want to buy.