City of St. Paul · DPA program

St. Paul DPA

$40,000

Up to $40,000 in down payment assistance for eligible St. Paul buyers.

St. Paul's DPA program offers up to $40,000 — double Minneapolis's amount and among the highest city-level DPA figures outside of NYC and San Francisco. The program reflects the city's commitment to keeping residents from being priced out as the Twin Cities market appreciates.

The assistance can be used on 1-4 unit properties, making it exceptionally valuable for house-hackers. A buyer purchasing a St. Paul duplex with $40,000 in city DPA, stacked with Minnesota Housing's state DPA, could enter the property with minimal cash while building equity and rental income simultaneously.

Amount$40,000
TypeDPA program
Available inMinnesota
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleSingle-family only

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 Housing Step Up $14,000
Minnesota · Deferred loan
MN First-Generation DPA Fund $32,000
Minnesota · Forgivable loan
All Minnesota programs →

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