Are the MN Housing DPA programs a good fit for you? If you are a first-time home buyer that can qualify for financing, but are just having a hard time saving up the down payment amount, then you should consider researching the MN Housing Start Up program. This program provides down payment money in the form of a deferred payment loan. This works out great, because..... The MN Housing Step Up program can really help move-up buyers who are able to sell their home, but may not make any money off the sale to use towards buying their "move-up" home. They may be well-qualified, but are just short on cash. The Step Up program is a great solution for those folks. Word to the wise, make sure you loan officer is an approved lender with MN Housing.