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Get Matched Free →Central Minnesota Habitat for Humanity Homeownership Program
Funding status: Active
How much assistance
Affordable mortgage on a Habitat-built or Habitat-renovated home; sweat equity required
Mortgage payments structured to be affordable; ongoing primary residence requirement.
Eligibility
- Income limits: 40%-80% of HUD area median income (AMI); approximately $50,000-$89,500 in annual household income depending on family size
- First-time buyer required: Yes — HUD definition of first-time homebuyer (no ownership interest in a primary residence in the past 3 years).
- Geographic restrictions: Habitat-built or Habitat-renovated homes in Stearns, Sherburne, Benton, or Wright counties (Minnesota); application periods rotate by county.
- Homebuyer education required: Yes
How to Apply for Central Minnesota Habitat for Humanity Homeownership Program
Step 1: Confirm household income falls between 40% and 80% AMI (roughly $50,000-$89,500 depending on household size). Step 2: Watch the Central Minnesota Habitat website for the next open application window — application periods rotate by county (Stearns, Benton, Sherburne, Wright). Step 3: Apply during an open window; once selected, complete the Home Stretch homebuyer education course and the required sweat equity hours. Step 4: Close on the Habitat home with an affordable mortgage and move in.
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