Here is a small list of Minnesota Down Payment Assistance Programs, for both the Minneapolis St Paul area, and out-state Minnesota.


NOTE: Many of these programs run out of money, or are limited to certain small city or county areas.  Because of this, we prefer and recommend the:

 Minnesota Housing Finance Agency's Startup $1,000 down payment assistance program

The program always has money available, and is available anywhere in Minnesota.




Anoka County Community Action (ACCAP) - Apply


Brooklyn Center RENEW Buyer Incentive - Apply


Brooklyn Park Homebuyer Initiative - Apply


Central Neighborhood of South Minneapolis


City of Lakes Community Land Trust – Homebuyer Initiated Program (HIP) - Apply


Come Home 2 Edina


Make Columbia Heights Your Home


Coon Rapids DPA Foundation


Crystal Down Payment Assistance Program


Coon Rapids Regenerations


Dakota County First Time Homebuyer Program


Dayton’s Bluff St. Paul Make it Possible


Harrison Neighborhood of Minneapolis


Hawthorne Advantage


Hennepin County Home Buyer Assistance - Apply


Lyndale Homebuyer Assistance


McKinley Homebuyer Assistance Program


Minneapolis City Living Program - Apply


Minneapolis Advantage


Minnesota Housing Finance Agency - Start Up Program - Apply


Minnesota Housing Finance Agency - Step Up Program - Apply


NSP Neighborhood Stabilization Program


Phillips Partnership Down Payment Assistance Loan


Plymouth First Time Home Buyer Program Down Payment Assistance


Ramsey County First HOME Buyer Down Payment Assistance Program - Apply


Richfield Foreclosure Purchase Incentive Down Payment Assistance Program


Rondo CLT - HIP/HOP - Apply


Scott County Down Payment Assistance CDA Homebuyer Club


Sheridan Homebuyer Assistance Program


St. Louis Park Down Payment Assistance Program


St. Paul City Living Down Payment Assistance Mortgage Program - Apply


Ventura Village Program


Woodbury First-Time Homeownership Program - Apply


Woodbury Foreclosure Purchase Program




Alexandria City Homestead Assistance Program (CHAP) (320) 762-1311

Alexandria Greater Minnesota Housing Fund The Trails Development Gap Financing Program (GAP) (651) 221-1997

Alexandria HRA Down Payment Assistance Program (DPAP)
(320) 762-1311
- Apply

Alexandria MHFA Gap Financing Program (GAP) (320) 762-1311

Austin/Mower County Homeownership Fund Program (507) 864-7741

Duluth Neighborhood Housing Services "Homeownership Program with Employers" in Lincoln Park Grant (HOPE) (218) 727-8604

Duluth Neighborhood Housing Services of Duluth Homeownership Incentive Program (HIP) (218) 628-1057

Duluth NHS/Hillside Homeownership Incentive Program (HIPP) (218) 628-1057

East Grand Forks Downpayment Assistance Program (218) 773-2371

East Grand Forks New Construction Incentive (NCI) Program (218) 773-2371


Hutchinson Housing & Redevelopment Authority Down Payment Assistance Program (DPA) (320) 234-4451

Itasca County/Koochiching County KOOTASCA Community Action's Homebuyer Program (HBP) (218) 326-8539

Mankato Homeownership Program (HOP) (507) 387-8622 - Apply

Mankato Revolving Loan Fund (RLF) (507) 387-8622
(GAP) (320) 255-0705

Multi Counties Arrowhead Economic Opportunity Agency Inc Homeownership Opportunity Program (HOP) (800) 662-5711

Multi Counties Headwaters Housing Development Corporation Two Note Program (TNP) (218) 444-4732

Northfield Housing Assistance Program (NHAP) (507) 645-8833

Pennington County Affordable Housing Program (AHP) Community Revitalization Fund Program (CRF) (218) 637-2431

Pennington County Affordable Housing Program (AHP) Loan Pool Funds (LPF) (218) 637-2431

Red Lake County Affordable Housing Fund (AHF) Affordable Housing Loan Pool Fund (LPF) (218) 637-2431

Rochester First Homes GAP Loan Program (GAP) (507) 281-7396


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MN first time home buyer loan application


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HUD, The VA, and the USDA requires those who offer their mortgage loans go through a stringent approval process. We are an approved FHA, VA, and USDA mortgage lender. We are not acting on behalf of, or under the direction of the VA or the Federal Government. HUD / FHA and the VA do not lend directly to the public, only through approved lending institutions like Cambria Mortgage.


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