See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated May 5, 2026

Homebuyer Programs in Roseville, MN (2026)

Population: 35,802 | Median home price: $360,000 | Est. closing costs: $7,000 - $11,000

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 →

Roseville Down Payment Assistance Loan

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	—	Yes	View →

Ramsey County FirstHome Buyer Assistance Program

Type:: Deferred Loan
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 →

Minnesota First-Generation Homebuyer Loan Program

Type:: Deferred Loan
First-time only:: Yes

Minnesota Housing Deferred Payment Loan

Type:: Deferred Loan
First-time only:: Yes

Minnesota Housing Monthly Payment Loan

Type:: Repayable Loan
First-time only:: No

Minnesota Housing Start Up Program

Type:: Government-Insured Mortgage
Amount:: First mortgage with as little as 3% down
First-time only:: Yes

Minnesota Housing Step Up Program

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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 →

Community Keys Plus Impact Down Payment Assistance

Type:: Deferred Loan
First-time only:: No

Twin Cities Habitat for Humanity Homeownership Program

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

Welcome Home Down Payment Assistance

Type:: Forgivable Loan
Amount:: Varies by household need
First-time only:: Yes

Free eligibility check

17 programs available in Roseville. See which ones you qualify for.

Free
No credit check
Takes 2 minutes

Are you a first-time homebuyer?

Yes No Not sure

Question 1 of 6

housebuyerguides

How to Apply

Step 1: 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.

Step 2: 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.

Step 3: Contact the Center for Energy and Environment (CEE) to begin the Roseville Down Payment Assistance Loan intake and confirm current funding availability.

Step 4: 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.

Step 5: 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).

Step 6: Find a home within program limits. Verify the property meets Roseville, Ramsey County, and Minnesota Housing purchase price caps before going under contract.

Step 7: 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.

Step 8: 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.

Frequently Asked Questions

How much down payment assistance can I get in Roseville?+

Buyers can typically combine $40,000 or more by layering the Roseville Down Payment Assistance Loan (up to $25,000), the Ramsey County FirstHome Buyer Assistance Program (up to $5,000), and Minnesota Housing programs ($12,500 Deferred Payment Loan, $18,000 Monthly Payment Loan, or up to $35,000 from the First-Generation Homebuyer Loan). NeighborWorks Home Partners may add further DPA for qualifying households.

Do I have to be a first-time homebuyer?+

Most county and state programs require first-time buyer status (no homeownership in the past 3 years). The Roseville Down Payment Assistance Loan does not strictly require first-time buyer status but is targeted to owner-occupied purchases. The Ramsey County FirstHome program also accepts first-generation buyers. Minnesota Housing Step Up is open to repeat buyers.

What is the maximum home price?+

The Ramsey County FirstHome program caps the purchase price at $372,600. Minnesota Housing programs and Twin Cities Habitat have their own purchase price limits that vary by program and household size. Confirm current caps with each program before going under contract.

What homebuyer education is required?+

Yes, all city, county, state, and nonprofit programs require 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. Education must be completed before loan closing.

Who administers the Roseville Down Payment Assistance Loan?+

The City of Roseville funds the program, but it is administered by the Center for Energy and Environment (CEE). CEE handles intake, underwriting, and loan servicing. Visit mncee.org or contact CEE directly to start the application.

Can Twin Cities Habitat for Humanity help me buy a home in Roseville?+

Yes. Roseville has an active partnership with Twin Cities Habitat that includes a community land trust program. You can also use Habitat’s TruePath Mortgage to buy on the open market with monthly payments at or below 30% of household income, or purchase a Habitat-built or rehabbed home.