There are a wealth of programs to assist prospective homebuyers and current homeowners in Minneapolis and St. Paul. These can include loan programs for downpayment and closing costs, refinancing, energy-efficient home improvements, and several other specific needs. More information is available here for updated information about programs from Minnesota Housing. The cities of Minneapolis and St. Paul also have their own programs, and you can learn more about them here and here. If you are interested in a purchasing in a specific neighborhood, a good first-step is to contact the neighborhood association to learn about any neighborhood specific lending programs. Each association is listed at the bottom of each neighborhood page here.
In addition to government, there are several non-profit organizations that manage low-interest loan funds, such as the Greater Metropolitan Housing Corporation, Center for Energy and the Environment (primarily for energy efficiency rehab), and Twin Cities Habitat for Humanity.OwnaHomeMN.org is the place to look for new and rehabbed homes that are built or rehabbed by community based organizations. Finally, the Minnesota Homeownership Center offers invaluable trainings and classes to help you through the home buying process.