Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Minnesota program

Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+)

Minnesota route through Minnesota Housing. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Check official rules 2026-04-21
Agency Minnesota Housing
Support type Deferred second mortgage
Amount highlight Minnesota Housing Start Up borrowers can pair the first mortgage with a Deferred Payment Loan up to $14,000 or a DPL+ second loan up to $18,000 for down payment and closing costs.
Last verified 2026-04-21

Open questions

Watch the hardship exception and unit-size limits

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The core DPL and DPL+ structure is stable, but Minnesota Housing publishes separate county-based income and acquisition-cost tables plus a hardship forgiveness exception that should not be mistaken for standard forgiveness.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Minnesota program hub if you need the wider state context.

Amount

Minnesota Housing Start Up borrowers can pair the first mortgage with a Deferred Payment Loan up to $14,000 or a DPL+ second loan up to $18,000 for down payment and closing costs.

Type

Deferred second mortgage

Repayment

DPL and DPL+ are 0% deferred-payment second loans with no monthly payments. Repayment is generally due when the home is sold, transferred, refinanced, no longer owner-occupied, the first mortgage is paid in full, or the loan is otherwise in default. Minnesota Housing also publishes a hardship policy that can allow partial or full forgiveness in limited cases.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Minnesota first-time homebuyers using the Start Up first mortgage, Borrowers applying through a Minnesota Housing participating lender, DPL+ borrowers who also meet one of the targeted-path rules such as first-generation status, larger household size, disability, or single-head-of-household criteria

What support do you get?

Minnesota Housing Start Up borrowers can pair the first mortgage with a Deferred Payment Loan up to $14,000 or a DPL+ second loan up to $18,000 for down payment and closing costs.

Do you repay it?

DPL and DPL+ are 0% deferred-payment second loans with no monthly payments. Repayment is generally due when the home is sold, transferred, refinanced, no longer owner-occupied, the first mortgage is paid in full, or the loan is otherwise in default. Minnesota Housing also publishes a hardship policy that can allow partial or full forgiveness in limited cases.

How do you apply?

Apply through a Minnesota Housing participating lender, complete the required homebuyer education before closing, and pair DPL or DPL+ only with an eligible Start Up first mortgage.

Official source evidence

Minnesota Housing's current consumer page says Start Up borrowers can pair the first mortgage with DPL up to $14,000 or DPL+ up to $18,000. Current state materials describe both options as 0% deferred-payment second loans with no monthly payments that must be paired with a Start Up first mortgage through a participating lender.

View official source

Last verified

2026-04-21

Effective date not captured.

Paid preview

What paid access adds for Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+)

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+)

Amount: Minnesota Housing Start Up borrowers can pair the first mortgage with a Deferred Payment Loan up to $14,000 or a DPL+ second loan up to $18,000 for down payment and closing costs.

Repayment: DPL and DPL+ are 0% deferred-payment second loans with no monthly payments. Repayment is generally due when the home is sold, transferred, refinanced, no longer owner-occupied, the first mortgage is paid in full, or the loan is otherwise in default. Minnesota Housing also publishes a hardship policy that can allow partial or full forgiveness in limited cases.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+) requires a participating lender.
  • Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+) must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+) for this household and loan setup?
  • Which first-mortgage product must be paired with Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+), and what breaks eligibility?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Buy a Home and Refinance page for Minnesota Housing Start Up + Deferred Payment Loan (DPL/DPL+)
Open the full Minnesota board

Paid research preview

What paid research already covers in Minnesota

Paid research already tracks city and county programs, specialty and conditional paths for Minnesota.

5 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

2 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

3 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

Open the full Minnesota board

Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

Save and compare

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Full state board

See what this should be compared against

5 tracked deeper leads sit behind the full Minnesota board around this program.

Open the full Minnesota board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer