See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 4, 2026
Homebuyer Programs in Eagan, MN (2026)
Eagan is one of the largest cities in Dakota County, sitting in the south Twin Cities metro just south of the Minnesota River and roughly 13 miles south of downtown Minneapolis. The median home value in Eagan is around $397,000. Eagan does not currently fund a city-specific down payment assistance program; instead, buyers here lean on the Dakota County CDA First Time Homebuyer Program, which offers up to $10,000 in down payment and closing cost assistance plus up to $8,500 in additional zero-interest deferred loans for income-eligible buyers (purchase price limit $515,300 for single-family homes). State programs from Minnesota Housing add $11,500-$18,000 in DPA via the Deferred Payment Loan, Monthly Payment Loan, and First-Generation Homebuyer Loan, and metro-wide nonprofit programs like Community Keys Plus Impact (up to $25,000), Welcome Home (up to $50,000), and Twin Cities Habitat for Humanity all serve Eagan. Stacking county, state, and nonprofit assistance, qualified Eagan buyers can often assemble more than $40,000 in combined help.
County Programs in Dakota County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Dakota County CDA First Time Homebuyer Program | Deferred Loan | Up to $10,000 in down payment and closing cost assistance, plus up to $8,500 in additional zero-interest deferred loans for income-eligible buyers | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $10,000 in down payment and closing cost assistance, plus up to $8,500 in additional zero-interest deferred loans for income-eligible buyers
- First-time only:
- Yes
State Programs in Minnesota
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Minnesota First-Generation Homebuyer Loan Program | Deferred Loan | — | Yes | View → |
| Minnesota Housing Deferred Payment Loan | Deferred Loan | — | Yes | View → |
| Minnesota Housing Monthly Payment Loan | Repayable Loan | — | 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
- First-time only:
- Yes
- Type:
- Deferred Loan
- First-time only:
- Yes
- Type:
- Repayable Loan
- 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 → |
| 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:
- 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 | — | 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
- 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
Step 1: Check your eligibility. The Dakota County CDA First Time Homebuyer Program requires no homeownership in the past 3 years (honorably discharged veterans may apply regardless), a minimum 640 credit score, and county-set income limits.
Step 2: Complete homebuyer education. A HUD-approved course is required by the Dakota County CDA program and most Minnesota Housing assistance. Contact the Dakota County CDA's Homeownership Specialist at 651-675-4470 for course options.
Step 3: Contact the Dakota County CDA at 651-675-4465 to confirm current income limits and request the application packet.
Step 4: Get pre-approved with a Minnesota Housing-participating lender. Pairing a Minnesota Housing Start Up first mortgage with the Dakota County CDA loan is the most common stacking strategy.
Step 5: For additional assistance, contact NeighborWorks Home Partners at 651-292-8710 about Community Keys Plus Impact (up to $25,000) and Welcome Home (up to $50,000).
Step 6: Find a home in Eagan within the program purchase price limits ($515,300 single-family for the CDA program), submit a complete application before making an offer when possible, and close.
Frequently Asked Questions
How much down payment assistance can I get in Eagan?+−
Does Eagan have its own city DPA program?+−
Do I have to be a first-time homebuyer?+−
What is the maximum home price in Eagan?+−
What homebuyer education is required?+−
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