Help to buy in Minnesota
Home-buying assistance programs in Minnesota
2 official programs for down payment and closing cost help in Minnesota, from Minnesota Housing. We show what each program says on its own page, with the date we checked it.
Key numbers in Minnesota
- Verified programs
- 2
- from Minnesota Housing
- First-time buyers only
- 1
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 2
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Deferred
Second loan with no payments until you sell or refinance
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Repayable
Second loan with monthly payments
The full list
Programs in Minnesota
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Deferred
Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage
What it gives, per the source
Up to $14,000. … No interest, no monthly payments. Balloon payment due in full at the end of the mortgage term. … Up to $18,000. … These loans, with amounts up to $18,000, are not grants.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Minnesota Housing (Minnesota Housing Finance Agency)
Verified November 5, 2026
-
- Repayable
Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up
What it gives, per the source
Monthly Payment Loan … Available with Start Up or Step Up … Up to $14,000 … 15 year repayment term … Equal to your first mortgage rate … Each loan program has eligibility requirements and can only be used with a Minnesota Housing first mortgage.
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Minnesota Housing (Minnesota Housing Finance Agency)
Verified November 5, 2026
No program matches your search.
Rent help
Help with rent and utility bills in Minnesota
One program we checked in Minnesota to pay rent, power or gas, or avoid an eviction, with what its page says.
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Renter's Credit
Run by Minnesota Department of Revenue
Minnesota refundable credit for renters, claimed on the state tax return; it can be claimed with a Social Security number or an ITIN
Up to $2,720
See details
Help to repair your home
Repair programs in Minnesota
One program we checked in Minnesota to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program
Run by Minnesota Department of Commerce
Minnesota weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Minnesota?
Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.