Minnesota Housing First Generation Homebuyer Program

Minnesota Housing Finance Agency

Available Down Payment

About This Program

Down payment and closing cost assistance for first-generation homebuyers (neither parent owned a home). Available statewide through Minnesota Housing-approved lenders. Structured as a deferred, forgivable loan.

Forgivable loan for down payment and closing costs

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $15,000 down payment assistance
  • For first-generation homebuyers
  • Deferred, forgivable loan structure
  • Income limits apply
  • Available through participating lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(651) 296-7608

A grant-savvy contractor in White Bear Lake, MN can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Available through participating lenders

Questions about this program?

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