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Minnesota program

City of Saint Paul Citywide Downpayment Assistance Program

Minnesota route through City of Saint Paul Planning and Economic Development. 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.

0% deferred subordinate mortgage with optional first-generation add-on Check official rules 2026-04-21
Agency City of Saint Paul Planning and Economic Development
Support type 0% deferred subordinate mortgage with optional first-generation add-on
Amount highlight Current Saint Paul materials show up to $40,000 for households at or below 60% AMI, up to $20,000 for households at or below 80% AMI, and up to $10,000 more for eligible first-generation homebuyers.
Last verified 2026-04-21

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Application window is time-sensitive

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

Saint Paul's citywide DPA is detail-safe today, but the current open window closes on April 27, 2026 and should be reverified after that date.

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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

Current Saint Paul materials show up to $40,000 for households at or below 60% AMI, up to $20,000 for households at or below 80% AMI, and up to $10,000 more for eligible first-generation homebuyers.

Type

0% deferred subordinate mortgage with optional first-generation add-on

Repayment

The current city page and guidelines describe a 0% deferred subordinate mortgage with no monthly payments. The balance is forgiven at one-fifteenth per year over a 15-year term. Sale, refinance, or maturity can trigger repayment, but the current guidelines also say repayment remains subject to available net proceeds.

First-time buyer

Not 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?

Saint Paul homebuyers with household income at or below 80% of AMI, Owner-occupant buyers using the home as a primary residence, Borrowers who complete approved homebuyer education before closing, Eligible first-generation homebuyers seeking the additional $10,000 layer

What support do you get?

Current Saint Paul materials show up to $40,000 for households at or below 60% AMI, up to $20,000 for households at or below 80% AMI, and up to $10,000 more for eligible first-generation homebuyers.

Do you repay it?

The current city page and guidelines describe a 0% deferred subordinate mortgage with no monthly payments. The balance is forgiven at one-fifteenth per year over a 15-year term. Sale, refinance, or maturity can trigger repayment, but the current guidelines also say repayment remains subject to available net proceeds.

How do you apply?

Get mortgage preapproval or prequalification, complete approved homebuyer education, and submit the city's interest form before the current application window closes. If selected, complete the full application and let the lender deliver final closing documents to Saint Paul before closing.

Official source evidence

The current Saint Paul page says citywide DPA applications are open through April 27, 2026 and now publishes base assistance up to $40,000 at 60% AMI, up to $20,000 at 80% AMI, plus up to $10,000 more for eligible first-generation buyers.

View official source

Last verified

2026-04-21

Current city page updated 2026-04-20

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What paid access adds for City of Saint Paul Citywide Downpayment Assistance Program

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Comparison preview

City of Saint Paul Citywide Downpayment Assistance Program

Amount: Current Saint Paul materials show up to $40,000 for households at or below 60% AMI, up to $20,000 for households at or below 80% AMI, and up to $10,000 more for eligible first-generation homebuyers.

Repayment: The current city page and guidelines describe a 0% deferred subordinate mortgage with no monthly payments. The balance is forgiven at one-fifteenth per year over a 15-year term. Sale, refinance, or maturity can trigger repayment, but the current guidelines also say repayment remains subject to available net proceeds.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • City of Saint Paul Citywide Downpayment Assistance Program must be paired with a specific first mortgage.
  • City of Saint Paul Citywide Downpayment Assistance Program can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with City of Saint Paul Citywide Downpayment Assistance Program, and what breaks eligibility?
  • Which events trigger repayment for City of Saint Paul Citywide Downpayment Assistance Program: sale, refinance, term_maturity?

Action checklist preview

What you would do next

  • Review the official Saint Paul citywide DPA page for City of Saint Paul Citywide Downpayment Assistance Program
  • Carry the lender question kit for City of Saint Paul Citywide Downpayment Assistance Program
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What paid research already covers in Minnesota

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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.

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