The Housing division works to ensure access to quality housing for all Saint Paul residents. The team finances housing construction and renovations, supports homeless prevention and shelter services, and informs housing policy decisions.

For Homeowners/Homebuyers

Homebuyer Education Courses

Homebuyer education courses give you the information you need to be an informed buyer. Check out some options for homebuyer education courses:

Downpayment Assistance

The Downpayment Assistance Program provides financial assistance for homebuyers earning at or below 80% area median income (AMI). Qualified homebuyers can receive up to $40,000 to use towards a home downpayment, closing costs and/or property inspection.

First-generation homebuyers are eligible to receive up to an additional $10,000. Homebuyers that are eligible for the Inheritance Fund layers may earn up to 100% AMI and can receive up to an additional $60,000 (for a total of $110,000).

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Homeowner Rehab Loans

The City of Saint Paul has closed applications for the Homeowner Rehab program, following a high volume of applications. During this pause, staff will process previously submitted applications in the order received.

The City of Saint Paul offers homeowners earning 80% AMI or less no-interest deferred loans for basic improvements to homes located in the City of Saint Paul. Qualified homeowners can receive up to $40,000 and those eligible for the Inheritance Fund layers can receive up to $80,000 for home rehab.

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Emergency Rehab Loans

The City of Saint Paul has temporarily closed the Emergency Rehab Loan Program.

This program offers homeowners no-interest deferred loans for emergency improvements to homes located in the City of Saint Paul. All qualified homeowners can receive up to $40,000 for emergency repairs.

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For Developers

Inspiring Communities

The Inspiring Communities program supports developers and homebuyers to create new, affordable homeownership opportunities and some rental units on land owned by the Saint Paul Housing and Redevelopment Authority (HRA).

This program is closed to applications.

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Low Income Housing Tax Credits

The Federal Tax Reform Act of 1986 created Low-Income Housing Tax Credits for qualified residential properties to encourage the production of affordable low-income rental housing.

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Subsidies for Preservation or New Production of Affordable Housing

The City of Saint Paul provides gap financing resources such as HOME, CDBG, and other local sources for the preservation and creation of affordable housing. Developers may inquire about applications for these financing resources by contacting the Housing Director.

Email the Housing Director

Multifamily Housing Programs and Funding Sources

The City of Saint Paul Housing and Redevelopment Authority (HRA) provides various financing opportunities for housing development and preservation. The process for applying depends on the financing sources.

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Sustainability Resources

Energy Efficiency Resource Guide for Affordable Housing Properties

The City of Saint Paul is providing this document as a list of other existing resources.

Disclaimer: The City does not recommend or endorse any of these resources. Property owners are responsible for confirming program eligibility prior to incurring related project expenses. The City does not administer these programs and cannot confirm eligibility. The City encourages property owners to conduct their own due diligence prior to working with any contractor or consultant.

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Multifamily Building Efficiency Resources

Strategy and Policy

Housing Trust Fund

The Housing Trust Fund was developed by Mayor Melvin Carter to produce, preserve, and protect housing affordability for Saint Paul residents. The fund serves as a flexible financial tool used to address the current crisis of housing affordability in Saint Paul.

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Fair Housing

Fair housing is the right to choose one’s housing, without being subject to unlawful discrimination. As a recipient of Federal funds, the City has the obligation to Affirmatively Further Fair Housing, and to take “meaningful actions, in addition to combating discrimination, that overcome patterns of segregation and foster inclusive communities free from barriers that restrict access to opportunity based on protected characteristics”

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Last Edited: June 13, 2025