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Government Assistance Down Payment Programs

Get Up to $8,500 down payment assistance Purchase with a minimum of $1,000 down HOME HELP Program. Find out how to get into your new home for $1,000 down when can earn up to $84,000 a year.

Click Here to See if You Qualify!

What do our programs have to offer first-time homebuyers?

  • Mortgage loans to purchase a home through local lenders for qualified low and moderate income first-time homebuyers in Minnesota
  • 30-year loans with affordable, low, fixed interest rates for the life of the loan
  • Interest-free loans to help with down payment and closing costs for eligible borrowers

You may be eligible for a Minnesota Housing mortgage if you:

  • Are a first-time homebuyer, meaning you have not owned a home in the past three years,
  • Have federal income tax return copies for the last three years,
  • Have acceptable credit,
  • Have an income at or below prescribed Minnesota Housing income limits
  • For basic first-time homebuyer program for a family of one to four, income limits are as follows:
    11-County Twin Cities Metro Area - $84,000 Rochester MSA - $77,600 Balance of State - $73,100
  • Buy a qualifying home within prescribed purchase price limits as follows:
    11-County Twin Cities Metro Area - $298,125 Balance of State - $237,031

Not a first time Home buyer??

Click here for city/county specific assistance programs
Many of them you do NOT have to be a 1st time home buyer!!!!

To get more information on DownPayment Assistance please feel free to contact Swift Realty.