Dreaming of owning a home?

Habitat provides you with education and support to help you find ​success in your home buying journey.
Find out how we can help you
realize your dream of 
​​affordable home ownership.

Please submit the required documents. 

Download and complete
the application (click here). 
            Call 218-751-4649 if you have questions .
We are happy to assist with the application process.

How are Habitat Families Selected?

Housing Need
​You must be in need of decent, affordable housing due to one of the following:

• sub-standard housing conditions
• health/safety issues/over-crowding
  
• housing debt burden (pay more than 30% for housing)
  
• failure to meet physical needs of family members
  
• subsidized housing
  
• unable to secure conventional or other home financing

Ability to Pay

• You have an adequate and verifiable income
• Your income falls within Family Selection Guidelines (see below)
  
• Your credit history is acceptable
  
• Your income is enough to make ALL monthly payments (mortgage, property taxes, homeowners insurance, all other bills)
  

Willingness to Partner

• Agree to complete Sweat Equity hours (300 per adult in the household, 125 construction)
  • ​Work on own house
    
  • Work on other Habitat houses
    
  • Attend & Participate in Habitat activities
    
• Agree to complete Home Stretch Program prior to purchase of the home
  
• Agree to work with Habitat Board Members, Staff and Volunteers on various projects
  
• Agree to make payments in full and on time
  
• Agree to submit Federal Tax Return annually
  
• Agree to keep inside and outside of house clean and in good repair
  
  • ​Make and/or pay for all repairs
    
  • Keep the year neat
    
  • Keep lawn mowed in summer and sidewalks clear in winter
    
• Agree to respect the neighbors and the neighborhood
  
• Agree to be a good ambassador for Habitat for Humanity by supporting its programs after purchase
  

Income Guidelines

Median Income for Beltrami and Clearwater County is $85,800
Single - At least $32,100 and less than $62,650
Two People - At least $36,650 and less than $71,600
Three People - At least $41,250 and less than $80,550
Four People - At least $45,800 and less than $89,450
Five People - At least $49,500 and less than $96,650
Six People - At least $53,150 and less than $103,800
*Amounts are based on HUD's Section 8 income limits for very low income (50%) to low income (80%), subject to HUD changes.

Looking for more resources to become a homeowner? Check out the Headwaters Regional Development Commission | Click Here