BREAKING: $90,000 Down Payment As...
BREAKING: $90,000 Down Payment Assistance Just Released in Ramsey County (First-Gen Buyers)

Keys with the House Lady di Estrella Carter

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A major opportunity just hit Ramsey County—and it could change the game for first-time and first-generation homebuyers.

In this special immediate-release episode, Estrella Carter (Realtor & Certified Home Stager, The House Lady) sits down with trusted lender Lance Elliott of Frandsen Bank & Trust to break down the newly released down payment assistance program offering up to $90,000.

This is not a future program—this is happening right now, and timing matters.

In this episode, we cover:

  • What this new Ramsey County program is and why it’s a big deal
  • Who qualifies as a first-generation homebuyer
  • Income and eligibility guidelines
  • How the $90,000 can be used (down payment, closing costs, etc.)
  • What buyers should do immediat ... 
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first generation homebuyer programbuy a home with no money downMinnesota real estate market 2026