Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.
Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.
Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.
The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.
Statewide and Regional Programs
Minnesota Housing Finance Agency (651) 296-7608 or (800) 657-3769
Minnesota Homeownership Center (HOC) Statewide Listing of Home Stretch workshops and HUD-Approved Housing Counseling Agencies: (651) 659-9336
U. S. Department of Agriculture, Rural Development – Single-Family Housing
Dakota County – Community Development Agency Homebuyer Programs (651) 675-4400
Hennepin County Home Investment Partnership Program (HOME) (612) 348-9260
St. Louis County (HOME Program Consortia with Lake, Cook, Koochiching and Itasca Counties) (218) 725-5000