Minnesota · Deferred 0% loan

MN Housing Start Up

$18,000

30-year fixed rate with DPA options up to $18,000. For first-time buyers statewide.

Minnesota Housing's Start Up provides up to $18,000 in DPA for first-time buyers — one of the highest fixed-dollar DPA amounts in the country. The deferred 0% interest loan has no monthly payments.

Amount$18,000
TypeDeferred 0% loan
Available inMinnesota
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

$18K covers most FHA down payments in Minnesota. Deferred with no monthly payments.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
MN Housing Step Up $14,000
Minnesota · Deferred loan
MN First-Generation DPA Fund $32,000
Minnesota · Forgivable loan
Minneapolis HOM $20,000
City of Minneapolis · Deferred 0% loan
All Minnesota programs →

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