FirstHOME Buyer Assistance Program

Ramsey County’s FirstHOME buyer assistance program helps first-time buyers with low to moderate incomes who are purchasing homes in Ramsey County communities outside Saint Paul.

Eligible buyers may qualify for up to $10,000 with zero percent interest to help bring their monthly housing costs down to 30 percent of income. Buyers are responsible for a minimum investment of $2,000. This principle-only subordinate mortgage must be repaid when the property is sold.

The loans can be used for downpayment assistance, closing costs and, occasionally, health, safety or code improvements.

Rondo Community Land Trust – Homebuyer Initiated Program (HIP)

Through HIP, participating households receive two grants, to help them purchase and rehab a home that is available on the open real estate market in St. Paul or Ramsey County. The grants are used to reduce the amount a household needs to purchase a home, and to ensure that the home purchased is structurally and mechanically safe and sound. Learn More

HIP Down Payment and Closing Cost Grant

HIP provides grant money to write down the purchase price of a house currently for sale in St. Paul or Ramsey County. The amount of the grant depends on need and eligibility of selected buyers. The HIP Purchase Price Write Down Grant stretches the amount of money a home buyer can spend on a house. The amount of the funds depends on need and eligibility of selected buyers.