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Ramsey County First Time Home Buyer

Ramsey County First Time Home Buyer

For additional information on the first time buyer programs, down payment and closing costs assistance, please contact us below.   For statewide programs feel free to visit our MN program page for down payment programs available to those buyers searching in Ramsey County and beyond.  For those buyers looking in the city please visit our St. Paul home buyer program page for more details.

FirstHOME Buyer Assistance Program

This program is meant to help first-time home buyers better afford homeownership — the program provides deferred loans to qualified borrowers which can be used towards down payment assistance, closing costs, or home improvements.

Borrowers could be eligible for a loan with 0% interest. Income limits apply to this program and the limits are determined by the Department of Housing and Urban Development. Potential borrowers need to demonstrate at least three years of full-time permanent employment.

The home purchased needs to be the primary residence of the borrowers — the home needs to be located in Ramsey County (St. Paul is excluded). Condos, townhomes, duplexes and single-family detached homes are all eligible for this program.

Summary:

  • Home must be located in Ramsey County (St. Paul excluded).
  • Down payment assistance, closing costs, or home improvements loans are available for qualified borrowers.
  • Income limits apply.

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