Important Update

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

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The Downpayment Assistance Program (DPA) was developed to support the wealth-building opportunities provided by homeownership to low- and moderate-income households and to address racial disparities in homeownership.

Qualified homebuyers earning at or below 80% area median income (AMI) can receive up to $40,000 to use towards a home downpayment, closing costs and/or property inspection for the purchase of a home in the City of Saint Paul. First-generation homebuyers are eligible to receive up to an additional $10,000.

In addition, 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).

The Downpayment Assistance Program is funded by the Housing Trust Fund.

Once the initial information is reviewed, eligible applicants will be placed on a waitlist and staff will connect via phone and email on a first come, first served basis as funding allows. Please note there is high interest in this program.

Download full program guidelines

Waitlist Information

When you are next on the waitlist, staff will reach out to let you know that you will need to obtain a mortgage pre-approval from a lender. Once you have the pre-approval, staff will send you the full application packet. The full application requires the same types of documents and information you will need to provide to apply for a mortgage (such as bank account statements, pay stubs, tax documents, etc.).


Program Layers

DPA Layer Eligibility Max Award
  • Earn 80% AMI or less
First Generation Homebuyer
  • Earn 80% AMI or less
  • Have never owned a home
  • Parents have never owned a home or lost most recently owned home to foreclosure
Inheritance Fund - Generational Wealth
  • Earn 100% AMI or less
  • Be a direct descendant of a property owner whose land was taken for I-94
Inheritance Fund - Community Wealth
  • Earn 100% AMI or less
  • Be a direct descendant of a property owner whose land was taken for I-94
  • Purchase a home in historic Rondo
  Max Available $110,000

Income Limits

The Downpayment Assistance Program uses HUD income limits.

Family Size 80% AMI 100% AMI
1 person $66,300 $87,000
2 persons $75,750 $99,400
3 persons $85,200 $111,800
4 persons $94,650 $124,200
5 persons $102,250 $134,200
6 persons $109,800 $144,100
7 persons $117,400 $154,100
8 persons $124,950 $164,000
9 persons $132,500 $173,900
10 persons $140,100 $183,800
11 persons $147,650 $193,800
12 or more persons $155,200 $203,700

Homebuyer's Counseling

Buyers must receive homebuyer's counseling from a HUD-approved counseling agency or a member of the Minnesota Homeownership Center’s Homeownership Advisors Network.


The loan is a 15-year deferred term at 0% interest and secured by a subordinate mortgage. Each year of the term, the loan is forgiven at an amortized rate of 1/15th of the amount of the loan. Upon resale, refinance or loan maturity, the balance of the loan is due, with exceptions when there are no net proceeds.

Program Guidelines

The Saint Paul Housing and Development Authority (HRA) green-lighted updates to the program at its January 11, 2023.

Download full program guidelines

Last Edited: September 25, 2023