Own a home in Minnesota — without guessing what you can afford.
We calculate every grant and loan program you qualify for and show only the strongest allowed combination — so the number you see is the number you can actually use.
Instant Eligibility Check
Estimated Buying Power
Enter your income to see your number
We'll calculate buying power, cash needed, and your strongest stack once you fill in the form above.
Assumptions: property tax 1.2% / yr, insurance ~$200/mo, 3% closing costs, 30-yr fixed at 6.75%, housing-DTI cap 36%.
Assistant AI
Ask about MN DPA programs.
Your Strongest Stack
State DPA combined with the highest-value grant. Per program rules, national DPA cannot be combined with MHFA, so it appears below.
MHFA Start Up Deferred Loan
0% interest, payment deferred for the life of the mortgage. First-time buyers statewide.
Community Choice $5,000
Small forgivable grant for closing costs in select neighborhoods.
Also eligible — cannot combine with the stack above
- MHFA Monthly Payment Loan · $15,000
- National Homebuyers Fund · $12,000
Get notified when first-gen funds reopen
MN Housing's Twin Cities First-Gen Grant is currently depleted. We'll email you once when funding returns. No spam.
One-time alert per program. We won't share your email.
Home Stretch Homebuyer Classes
Minnesota's official 8-hour homebuyer education workshop. Completion unlocks most down-payment assistance grants. In-person + virtual sessions across the Twin Cities, typically $25–$50 (often waived).