Homebuyer Assistance

An eligibility assessment is required to ensure the buyer qualifies for available funds. This must be completed prior to submitting an application for funding. 

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.

Eligible suburban cities

Homebuyer requirements

Lender information

Steps to complete before applying

  1. Confirm the home for purchase is in suburban Ramsey County.
  2. Read the homebuyer requirements to learn more about:
    • Income limits. (Effective May 2, 2024)
    • Maximum loans available.
    • Owner-occupancy requirements.
    • Types of homes eligible for assistance.
  3. Complete the following through the Minnesota Homeownership Center:
  4. Contact your bank, credit union or lending company to reserve funds on your behalf and receive a mortgage pre-approval letter.

Begin eligibility assessment

The above steps must be completed in order to be eligible for this program and receive funds. 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.