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For Homeowners/Homebuyers

Homeowners sitting in a class

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.

Houses on a street in the Rondo neighborhood.

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).

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.

Learn more

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.

Learn more

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 gap financing opportunities for housing development and preservation. The process for applying depends on the financing sources.

Learn more

Sustainability Resources

CEE Home Energy Squad

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.

Hand changing a lightbulb

Multifamily Building Efficiency Resources

Strategy, Maps, & Data

Skyline with trees

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.

The Housing Trust Fund strategy identifies five key objectives to address housing issues. The strategy builds upon the findings of the Saint Paul Fair Housing Working Group and community engagement during the City’s 2040 Comprehensive Plan process as well as community listening sessions.