Get Up To

$30,806

in down payment assistance with

LUMINATE HOME LOANS

SEE IF YOU QUALIFY

Interested in Learning More About Down Payment Assistance Programs in Minnesota?

Imagine having access to a remarkable $30,806 that can bridge the gap between you and your dream home. Well, good news—the road to homeownership doesn't have to be paved with a 20% down payment. In fact, you don't need to save up that much at all!


With several Down Payment Assistance programs such as MN Housing, WISH, Luminate Path, One Plus, and more, your dream to homeownership isn't as far away as you think.

WISH Program

This program provides up to $30,806 in matching funds for the down payment and closing costs of eligible first-time homebuyers.

MN Housing

Minnesota Housing first mortgage program that offers up to monthly payment loan up to $18,000 and deferred payments up to $16,500.*


*Programs also available for non-first-time homebuyers.

Luminate PATH

The Luminate PATH National DPA program offers up to 5% assistance for any buyers, with no income restrictions, and available nation wide (except NY).*


*Programs also available for non-first-time homebuyers.

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One+ Program

Get up to $7000 for your down payment or 

closing costs and put as little as 1% down.*


*Programs also available for non-first-time homebuyers.

Ready to unlock your dream home? Fill out the form and we'll be in touch soon!

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How exactly do these programs work?

For low-to-moderate-income families, the journey to homeownership can be both exhilarating and challenging. Often, the barrier lies in the upfront costs, specifically the down payment and loan closing expenses.


The Minnesota WISH Grant Program (and other housing assistance programs) are designed to bridge this gap, empowering homebuyers with the financial boost they need to step confidently into homeownership.

Reducing Financial Barriers to Homeownership

At Luminate Home Loans, we understand that every dollar counts. That's why some of these programs are set up so you're only required to contribute a minimum $500 deposit towards the purchase.


This low financial threshold is designed to empower you, enabling you to focus on building your future rather than wrestling with an insurmountable down payment.

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Ready to Take the Next Step?

Embark on your journey to home ownership with Luminate as your steadfast ally.

We'll navigate you through the application stages, identify the most suitable program for you, clarify its complexities, and aid in assessing your eligibility. Our expertise ensures you're equipped with the knowledge to make informed decisions, maximizing the benefits of Minnesota housing assistance.


Your path to homeownership starts with a single step. If you're ready to embrace the opportunities Down Payment Assistance can offer, see if you qualify below or start your application.


Your dream home is within reach – let's work together to turn your aspirations into addresses and your dreams into a place to call your own.

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