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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 up to $10,000 in loans 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 located in Ramsey County (St. Paul is excluded). Homes that meet the criteria are condos, townhomes, duplexes and single-family detached homes. The maximum purchase price cannot exceed $200,000.


  • Home must be located in Ramsey County (St. Paul excluded).
  • 0% interest loans up to $10,000 for qualified borrowers.
  • Income limits apply.
  • Maximum purchase price cannot exceed $200,000.
  • Minimum investment is $2000

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