Homebuyer Assistance

New guidelines effective September 29, 2022.

Ramsey County’s FirstHome program assists first-time and first-generation homebuyers with low-to-moderate incomes who are purchasing homes in suburban Ramsey County. 

Eligible buyers through the FirstHome program may purchase a home up to $372,600 and qualify for loans that can be used for down payment assistance and closing costs.

Homes for purchase in Saint Paul or North Saint Paul are not eligible for this program. If you're looking to purchase a home in Saint Paul, visit stpaul.gov/DPA.

Steps to get started

  1. Confirm the home for purchase is in suburban Ramsey County.
  2. Read the homebuyer requirements (below) to learn more about:
    • Income limits.
    • Maximum loans available.
    • Owner-occupancy requirements.
    • Types of homes eligible for assistance.
  3. Contact your bank, credit union or lending company to reserve funds on your behalf and receive a mortgage pre-approval letter.
  4. Complete the following through the Minnesota Homeownership Center:

Homebuyer requirements

Lender information