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First Time Home Buyer

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The Plymouth Housing and Redevelopment Authority offers a zero interest deferred loan up to $35,000 for qualifying first time home buyers purchasing a home in Plymouth.

  • Financial assistance can be used for up to 50% of the required down payment, 100% of allowable closing costs up to $7,500 and for reduction of the mortgage principal.
  • Repayment of the loan is required if the home is sold or no longer homesteaded within the first 30 years of ownership. After 30 years, the loan becomes due and payable.
  • Applicants will be accepted on a first-come, first-serve basis.
  • Program guidelines and income requirements are subject to change.

Eligibility Criteria 

  • Must be a first time home buyer – have not owned a home in the last three years or have been displaced due to a divorce. 
  • Must buy a home in Plymouth. 
  • Must register and attend all home buyer training sessions with Community Action Partnership of Hennepin County (CAP-HC) prior to closing. 
  • Must use only a participating lender for your primary mortgage. 
  • Household income must not exceed the maximum income limits by household size. This is based on your gross earnings and includes all income received, such as wages, child support, alimony, etc. Income limits are revised yearly.

Household Size

Maximum Household Income

    1-Person Household


    2-Person Household


    3-Person Household


    4-Person Household


    5-Person Household


    6- Person Household



Housing Division
Plymouth City Hall | 3400 Plymouth Blvd. | Plymouth, MN 55447-1482
P 763-509-5410 | F 763-509-5407 |

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