Realize your homeownership dreams and save on expenses. Local southeast Minnesota programs offer help with money down, closing costs and/or assistance with repairs and energy improvements for those eligible. Whether you currently own a home or are looking to purchase one, explore the up-to-date, accurate information provided below to find an opportunity that fits your situation and location.

Are you eligible for down payment assistance? The Down Payment Resource is passionate about helping homebuyers make informed decisions through providing information on financial resources they may be eligible for. A home’s location and a consumer’s financial and family situation determine his or her eligibility. Learn about the programs you may qualify for by completing a brief questionnaire that will match both you and the property with available programs. This information is also available while shopping for homes on the SEMR MLS home search web site.

As Minnesota’s affordable housing bank, MHFA offers products and services to help Minnesotans purchase and fix up homes. For eligible buyers, MHFA offers: low interest rates, down payment assistance, and closing cost assistance.

USDA Rural Development has over 40 programs available to improve the economic vitality and quality of life for rural Minnesotans. Financial assistance programs offered include: loans, loan guarantees, grants, combination funding opportunities, single-family housing purchase and repair assistance.

Incorporated in 1966, Three Rivers Community Action, Inc. is a non-profit human service organization. Its mission is to work with community partners to address basic human needs of people within its service area. The needs addressed include: housing, weatherization, energy assistance, and additional support services.

SEMCAC is a Community Action Agency (CAA) providing various resources to the communities it serves including assistance with housing rehab and housing developments. SEMCAC serves the following counties: Dodge, Fillmore, Freeborn, Huston, Mower, Steele, and Winona. Limited services are offered by SEMCAC in Goodhue, Olmsted, Rice, and Wabasha.

Incentives offered by cities in southeastern Minnesota can be viewed by clicking on the city links below:


If you know of any programs that are not listed, please contact our office at 507-285-9833.