See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026
Homebuyer Programs in Roseville, MN (2026)
Roseville is a Ramsey County suburb between Minneapolis and Saint Paul, with a population of about 35,802 and a median home price near $360,000. Buyers here can stack one of the strongest local DPA packages in the Twin Cities. The Roseville Down Payment Assistance Loan, administered by the Center for Energy and Environment (CEE), provides up to $25,000 for owner-occupied homes in the city. The Ramsey County FirstHome Buyer Assistance Program adds up to $5,000 for first-time and first-generation buyers. Minnesota Housing layers in additional support: a Deferred Payment Loan up to $12,500, a Monthly Payment Loan up to $18,000, and the First-Generation Homebuyer Loan up to $35,000 for eligible buyers. Twin Cities Habitat for Humanity and NeighborWorks Home Partners also serve Roseville with affordable mortgages and supplemental DPA, making it possible to combine $40,000 or more in assistance toward a purchase.
City Programs in Roseville
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Roseville Down Payment Assistance Loan | Deferred Loan | Up to $25,000 | No | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $25,000
- First-time only:
- No
County Programs in Ramsey County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Ramsey County FirstHome Buyer Assistance Program | Deferred Loan | Up to ,000 | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to ,000
- 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. Most Roseville and Ramsey County programs require first-time homebuyer status, household income at or below 80% of Area Median Income (or up to 100% AMI for first-generation buyers with 4+ household members), and the purchase of a primary residence in Roseville.
Complete a HUD-approved homebuyer education course. The Center for Energy and Environment, Twin Cities Habitat for Humanity, and NeighborWorks Home Partners all offer qualifying courses.
Contact the Center for Energy and Environment (CEE) to begin the Roseville Down Payment Assistance Loan intake and confirm current funding availability.
Apply for the Ramsey County FirstHome Buyer Assistance Program through Ramsey County. The home purchase price limit is $372,600 with a maximum buyer contribution of 1% of the purchase price.
Get pre-approved with a Minnesota Housing participating lender to layer the Start Up first mortgage with one of the state DPA loans (Deferred Payment, Monthly Payment, or First-Generation).
Find a home within program limits. Verify the property meets Roseville, Ramsey County, and Minnesota Housing purchase price caps before going under contract.
Submit your full application package through your lender, the CEE, and Ramsey County. Underwriting and DPA reservation typically take 2 to 4 weeks; lock your rate and DPA reservation before closing.
Close on your home and move in. Most DPA loans here are deferred or zero-interest forgivable, so monthly payments stay tied to the first mortgage.