Home Buyer Assistance

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New guidelines effective June 1, 2022.

Ramsey County’s FirstHOME buyer assistance program helps first-time buyers with low to moderate incomes who are purchasing homes in Ramsey County communities outside Saint Paul.

Eligible buyers may qualify for up to $15,000 with 0% interest to help bring their monthly housing costs down to 30% of income. Buyers are responsible for a minimum investment of $2,000. This principal-only subordinate mortgage must be repaid when the property is sold.

The loans can be used for down payment assistance, closing costs and, occasionally, health, safety or code improvements.

Maximum purchase price is $308,000.

Contact your bank, credit union or mortgage company if you would like to take advantage of the Ramsey County FirstHOME Buyer Assistance Program. Eligible buyers should ask their lenders to reserve funds on their behalf.

Portia Jackson is the assigned county specialist for this program. 

Eligibility requirements

Lender information

Contract for deed