See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 4, 2026
Homebuyer Programs in Blaine, MN (2026)
Blaine is a fast-growing northern Twin Cities suburb spanning Anoka and Ramsey counties, sitting roughly 15 miles north of downtown Minneapolis. The median home price in Blaine is around $415,000. Buyers here have one of the strongest stacks of city-level support in the metro: the Blaine City Down Payment Assistance Loan offers up to $10,000 for current Blaine residents or employees (or $5,000 for other first-time buyers) administered through the Center for Energy and Environment, and the separate Blaine Welcome Home Loan from the Blaine EDA provides a below-market rate first mortgage that can be combined with the city DPA. Anoka County itself does not currently fund a county-wide DPA program. State programs from Minnesota Housing add $11,500-$18,000 in DPA, and metro-wide nonprofit programs like Community Keys Plus Impact (up to $25,000) and the NeighborWorks Welcome Home Down Payment Assistance (up to $50,000) cover Anoka County. Combining city, state, and nonprofit assistance, qualified Blaine buyers can frequently assemble well over $40,000 in combined help.
City Programs in Blaine
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Blaine City Down Payment Assistance Loan | Deferred Loan | Up to $10,000 for current Blaine residents or employees; up to $5,000 for all other first-time homebuyers | Yes | View → |
| Blaine Welcome Home Loan | Repayable Loan | Below-market interest rate first mortgage; can be combined with the Blaine City Down Payment Assistance Loan and First-Generation DPA | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $10,000 for current Blaine residents or employees; up to $5,000 for all other first-time homebuyers
- First-time only:
- Yes
- Type:
- Repayable Loan
- Amount:
- Below-market interest rate first mortgage; can be combined with the Blaine City Down Payment Assistance Loan and First-Generation DPA
- First-time only:
- Yes
State Programs in Minnesota
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Minnesota First-Generation Homebuyer Loan Program | Deferred Loan | Up to ,000 | Yes | View → |
| Minnesota Housing Deferred Payment Loan | Deferred Loan | Up to ,500 | Yes | View → |
| Minnesota Housing Monthly Payment Loan | Repayable Loan | Up to ,000 | No | View → |
| Minnesota Housing Start Up Program | Government-Insured Mortgage | First mortgage with as little as 3% down | Yes | View → |
| Minnesota Housing Step Up Program | Government-Insured Mortgage | First mortgage; can also be used to refinance | No | View → |
- Type:
- Deferred Loan
- Amount:
- Up to ,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to ,500
- First-time only:
- Yes
- Type:
- Repayable Loan
- Amount:
- Up to ,000
- First-time only:
- No
- Type:
- Government-Insured Mortgage
- Amount:
- First mortgage with as little as 3% down
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- First mortgage; can also be used to refinance
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Community Keys Plus Impact Down Payment Assistance | Deferred Loan | Up to ,000 | No | View → |
| Twin Cities Habitat for Humanity Homeownership Program | Repayable Loan | Affordable mortgage with monthly payments at or below 30% of household income; option to use TruePath Mortgage on the open market or purchase a Habitat-built or Habitat-renovated home | No | View → |
| Welcome Home Down Payment Assistance | Forgivable Loan | Varies by household need | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to ,000
- First-time only:
- No
- Type:
- Repayable Loan
- Amount:
- Affordable mortgage with monthly payments at or below 30% of household income; option to use TruePath Mortgage on the open market or purchase a Habitat-built or Habitat-renovated home
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Varies by household need
- First-time only:
- Yes
How to Apply
Check your eligibility. The Blaine City DPA Loan and Blaine Welcome Home Loan both require first-time-buyer status (no homeownership in the last 3 years). The Welcome Home Loan adds a credit score minimum of 620 and a household income cap at or below 80% AMI.
Complete homebuyer education. A HUD-approved course is required by Blaine's programs and most Minnesota Housing assistance.
Apply through the Center for Energy and Environment for the Blaine DPA Loan. Current Blaine residents and employees qualify for up to $10,000; all other first-time buyers qualify for up to $5,000. Borrowers must contribute at least 1% of the purchase price from their own funds.
Contact Refined Lending for the Blaine Welcome Home Loan, the Blaine EDA's below-market first mortgage that can stack with the Blaine City DPA.
For additional assistance, contact NeighborWorks Home Partners at 651-292-8710 about Community Keys Plus Impact (up to $25,000) and Welcome Home Down Payment Assistance (up to $50,000), both of which serve Anoka County. Consider also the MMCDC First-Generation Down Payment Assistance if you qualify.
Find a home in Blaine within the $450,000 purchase price limit, submit complete applications to all stacked programs, and close.