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Minnesota Housing's Homeownership Programs

Minnesota Housing offers a variety of loan programs for first-time and repeat homebuyers and refinancing to help make owning a home more affordable. We work with local participating lenders who can answer questions about program eligibility and help you learn about the features of our programs, including downpayment and closing cost loan options up to $17,000. Discover more about your homeownership path below.

Buy a Home as a First-Time Homebuyer
Repeat Homebuyer
Downpayment and Closing Cost Loans
Next Steps to Get a Minnesota Housing Loan
Homebuyer Education and Resources
Mortgage Credit Certificate Program for First-Time Homebuyers

In connection with Single Family Division loan programs, Minnesota Housing does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with any Lender. The terms of any mortgage finance transactions conducted in connection with these programs, including important information such as loan fees, the annual percentage rate (APR), repayment conditions, disclosures, and any other materials which are required to be provided to the consumer are the responsibility of the Lender.