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2012 Single Family Homes Division
Income Limits

Entry Cost Assistance Availability

The following chart outlines which Homeownership Program Eligibility Income Limits (from chart below) apply and the availability of Entry Cost Assistance programs (Homeownership Assistance Fund (HAF) and HOME HELP) for Minnesota Housing first-time homebuyer programs:

  1. 1.  Select the loan program you intend to use.
  2. 2.  Determine whether or not Entry Cost Assistance will be needed.
    1. For MMP:  Determine if the property is or is not located in an MMP Spotlight area.
    2. For CASA:  Determine if you will be using HAF or HOME HELP.
  3. 3.  Determine the Income Limit Level based on the program selected and Entry Cost Assistance needs (Level 1, Level 2, or Level 3).
  4. 4.  Go to the "Homeownership Programs Eligibility Income Limits" chart below.
  5. 5.  Determine the Household Size and geographic area the property to be purchased is located in.
  6. 6.  Use the Income Limit Level determined in Step 3 associated with that household size and area.
ProgramHomeownership Programs Eligibility Income LimitsEntry Cost Assistance Programs
Eligible HAF AmountEligible HOME HELP Amount
Minnesota Mortgage Program (MMP)Interest Rate OnlyLevel 1Not ApplicableNot Available
MMP Spotlight AreaLevel 1Up to $3,000
MMP Non-Spotlight AreaLevel 3Up to $3,000
Community Activity Set-Aside Program (CASA)Interest Rate OnlyLevel 2Not ApplicableNo HOME HELP
With HAFLevel 2Up to $4,500No HOME HELP
With HOME HELP2011 HOME HELP limits or 2012 HOME HELP Limits applyNot Applicable$8,500


Homeownership Programs 2011 Eligibility Income Limits: 
The following income limits are effective for Minnesota Mortgage Program (MMP) and Community Activity Set-Aside Program (CASA) loans committed on or after June 27, 2011:

Household Size
 
Minnesota Housing Area Median Income Limits
11-County Twin Cities Metro Area*Rochester MSA***Balance of State
Level 1Level 2Level 3Level 1Level 2Level 3Level 1Level 2Level 3
1 Person$82,700$66,200$34,800$80,200$64,200$33,750$72,900 
$58,350 
 		$30,650
2 Person$39,750$38,550$35,000
3 Person$44,700$43,350$39,400
4 Person$49,650$48,150$43,750
5 Person$89,350$71,500$53,650$86,650$69,350$52,050$78,750$63,050$47,250
6 Person$95,950$76,800$57,600$93,050$74,500$55,900$84,600$67,700$50,750
7 Person$102,550$82,100$61,600$99,450$79,650$59,750$90,400$72,400$54,250
8 Person$109,200$87,400$65,550$105,900$84,750$63,600$96,250$77,050$57,750
9 Person$115,800$92,700$69,550$112,300$89,900$67,450$102,100$81,700 $61,250
10 Person**$122,400$98,000$73,500$118,700$95,050$71,300$107,900$86,400$64,750

Minnesota Urban and Rural Homesteading (State Funded) Program Income Limits

The Minnesota Urban and Rural Homesteading (State Funded) Program uses the Level 3 Minnesota Housing Income limits listed above.  They are based on HUD median family income estimates and calculated at 60% of the greater of state or area median income.

Fix-up Fund (FUF)/Community Fix-up Fund

To qualify for the Fix-up Fund and Community Fix-up Fund, your gross household income must be no greater than $96,500.  The income limit is waived if the improvement is being made for the accessibility of a family member who is disabled.

Rehabilitation Loan Program

Rehabilitation Loan Program income limits are based on HUD median family income estimates and calculated at 30% of the Minneapolis/St. Paul area median income and are applicable in all Rehabilitation Program areas of the state.

Household Size 2012 Income Limits

 1 Person

 $ 17,700
 2 Persons $ 20,200
 3 Persons $ 22,700
 4 Persons $ 25,200
 5 Persons $ 27,100
 6 Persons $ 29,100
 7 Persons $ 31,300
 8 Persons $ 33,300
 

Homeowner Quick Start Disaster Recovery Program

No income limits apply to the Quick Start program.

 

Community Revitalization Fund Program

The following income limits are effective for Community Revitalization Fund Program closed/completed units on or after June 27, 2011:

Gross Household Income Limits11-County Twin Cities Metro Area*Rochester MSA***Balance of State
60%$50,400$48,800$44,400
80%$67,200$65,100$59,200
100%$83,900$81,300$73,900
115%$96,500$93,500$85,000


Income limits for eligible activities through the CRV target households at or below 115% of state or area median income. Funding partners’ program income limits vary. Visit specific funding partner web sites for additional information.

*For the purpose of this section, the 11 county Twin Cities Area is defined as: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington and Wright Counties.

**Contact Minnesota Housing for limits on households with more than 10 persons.

***Includes Dodge and Olmsted counties