Down payment help
Minnesota quietly has some of the strongest down payment assistance in America. Most buyers never hear about half of it. Here's the map — and Tiaira's specialty is stacking it.
The big three
Up to 20% of purchase price · 0% interest · no monthly payments
For eligible first-time buyers in the seven-county Twin Cities metro who are Foundational Black Americans. Stackable with other assistance. Apply before signing a purchase agreement.
Full breakdown →Up to 10% of purchase price · 0% interest · forgiven 20%/year over 5 years
Statewide, for first-generation buyers — you (and your parents) never owned a home, or lost one to foreclosure. Income limits apply, homebuyer education required before a purchase agreement. Administered by MMCDC; works with the lender of your choice.
💬 Ask Tiaira if you qualify →Deferred & monthly-payment loans · pairs with Start Up first mortgages
The state’s own down payment and closing cost loans for eligible buyers — Tiaira is a participating lender in the Minnesota Housing network, so this pairing runs through her directly. County and city programs (Ramsey County FirstHome and others) can add another layer.
MN Housing DPA →Program terms, income limits, and funding availability change — some funds pause when exhausted and reopen later. Figures reflect published program terms at the time of writing; always verify current terms with each program administrator. Eligibility for third-party programs is determined solely by their administrators.
The stacking strategy
Here’s a sample of how it can come together on a $320,000 Twin Cities starter home for an eligible buyer:
Sample scenario for illustration only — not an offer, quote, or guarantee of eligibility or amounts. Every buyer’s programs, terms, and figures differ.
Programs pause, reopen, and change — the map shifts constantly, and Tiaira keeps it current so you don't have to. One text starts your personal assistance rundown.