Minnesota Housing Finance Agency (MHFA) / City of Saint Paul
Minnesota Housing Start Up, Deferred Payment Loan Plus (St. Paul) is available in St. Paul, MN.
Minnesota Housing's Start Up program offers Deferred Payment Loan Plus (DPL+) of up to $18,000 for down payment and closing costs for St. Paul homebuyers. The DPL+ is a 0% interest deferred loan due on sale, transfer, or maturity. St. Paul may also offer local down payment assistance through SPARC (Saint Paul Area Reinvestment Council) and neighborhood CDFIs.
First-time homebuyers in St. Paul using MN Housing first mortgage
Official program page checked live on 2026-06-22.
Data last verified 2026-04-03. How we verify our data.
In St. Paul, MN, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in St. Paul, MN can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling through MN Housing-approved lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $18,000.
Apply directly with Minnesota Housing Finance Agency (MHFA) / City of Saint Paul using the official program link on this page or call 651-296-8215. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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