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The Saint Paul Downpayment Assistance Program provides financial assistance for homebuyers at or below 60% Area Median Income (AMI). Qualified homebuyers can receive up to $40,000 for a home downpayment, closing costs, and/or property inspection.
The program was developed to protect and preserve naturally occurring affordable housing in neighborhoods vulnerable to displacement and gentrification pressures.
The Downpayment Assistance Program is funded by the Housing Trust Fund, with support from Minnesota Housing.
Homebuyers must:
- Owner occupy and register as a homestead with Ramsey County throughout the loan term;
- Have net assets at or under $25,000; and,
- Earn at or less than 60% Area Median Income (AMI).
AMI is based on the number of people in a household:
- 1 person: $43,440
- 2 people: $49,680
- 3 people: $55,860
- 4 people: $62,040
- 5 people: $67,020
- 6 people: $72,000
- 7 people: $76,980
- 8 people: $81,900
- 9 people: $86,900
- 10 people: $91,850
- 11 people: $96,800
- 12 people: $101,750
For more information on additional eligibility guidelines, financing terms, and enrollment, visit stpaul.gov/Downpayment-Assistance.
 If you need help paying for rent, mortgage or utilities, contact Ramsey County for more information about Emergency Assistance and Emergency General Assistance.
By phone (recommended): (651) 266-4884
Online: RamseyCounty.us/EmergencyAssistance
The City of Saint Paul is working diligently with our public health officials in response to the unique needs of our residents, business owners, and key partners during the COVID-19 pandemic.
For more information about the City's response, including weekly email updates and additional resources for families and small businesses, visit stpaul.gov/coronavirus.
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