Mortgage rates starting at:

View all interest rates

Mortgage Loan Programs Manuals, Forms, and Resources

The documents, forms and resources should be used by Minnesota Housing participating lenders to originate and process the following loan programs. The documents can also be created through the Loan Commitment System.

Start Up - First-time Homebuyer Loan Program

MCC (with First Mortgage)

Step Up - Non-first-time Homebuyer Loan Program


Downpayment and Closing Cost Loans

Choose one of the following downpayment and closing cost loan programs to be used with a Minnesota Housing first mortgage loan:

Monthly Payment Loan
Deferred Payment Loan
Downpayment and Closing Cost Subordination & Refinance Guidelines

Borrowers purchasing a Minnesota Housing-owned property are ineligible for Minnesota Housing downpayment assistance and/or closing cost loans or other secondary financing due to federal regulations prohibiting seller secondary financing.