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.