Minnesota · Deferred loan

MN Housing Step Up

$14,000

30-year fixed for repeat buyers. DPA up to $14,000 available. No first-time buyer requirement.

Minnesota Housing's Step Up provides up to $14,000 for repeat buyers. One of the few state programs offering substantial DPA to non-first-time purchasers, Step Up helps Minnesota families move up or relocate within the state.

Amount$14,000

TypeDeferred loan

Available inMinnesota

First-time buyer requiredNo

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

Repeat buyers can access $14K DPA — strong for portfolio expansion in affordable MN markets.

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 Start Up $18,000

Minnesota · Deferred 0% 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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