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Get Matched Free →Plymouth First-Time Homebuyer Program
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Eligibility
- Income limits: 80% or less of the area median income, adjusted for household size, per HUD
- First-time buyer required: Yes — A buyer who has not owned a home in three or more years; an applicant displaced by divorce may also qualify.
- Geographic restrictions: Property must be located within the City of Plymouth.
- Homebuyer education required: Yes
How to Apply for Plymouth First-Time Homebuyer Program
Step 1: Confirm income at or below 80% AMI and first-time-buyer status. Step 2: Complete a HUD-approved homebuyer education course. Step 3: Contact the Plymouth HRA at 763-509-5410 or housing@plymouthmn.gov to request a program packet and the list of participating lenders. Step 4: Get pre-approved with a participating lender; the loan can fund up to 50% of the required down payment (max $5,000), 100% of eligible closing costs (max $7,500), and up to 15% of the purchase price toward principal reduction (max $30,000), capped at $25,000 total per the standard published program. Step 5: Identify a property within Plymouth city limits and complete the application before closing.
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