Minnesota Step Up
Minnesota Step Up is a repeat-buyer first mortgage + dpa from Minnesota Housing. Available statewide in Minnesota. First-time buyer status is not required. Income limit: Higher than Start Up.
Amount varies by program
Listed as open as of May 2026
Available statewide in Minnesota.
| First-time buyer | Not required |
|---|---|
| Income limit | Higher than Start Up |
| Minimum credit score | 620 |
| Maximum DTI | 43% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide MN |
| Property types | SFR |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/VA/USDA/Conv |
| Sales price cap | Per county |
| Repayment | Per DPA |
| Stacking | Pairs with DPA layers |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Minnesota Housing · program details at the provider’s site.
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Deferred 2nd 0% int · Up to $18,000
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below_market_rate · Amount varies by program
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second_loan · Up to $14,000
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deferred_loan · Up to $14,000