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.

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 yard 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