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Habitat for Humanity of Washington County (MN) Homeownership Program

Administered by:
Habitat for Humanity of Washington County (Minnesota)
· Nonprofit · Repayable Loan
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: 50%-80% of HUD area median income (AMI)
  • First-time buyer required: Yes — HUD definition of first-time homebuyer (no ownership interest in a primary residence in the past 3 years).
  • Credit score minimum: 600
  • Geographic restrictions: Habitat-built or Habitat-renovated homes in Washington County, Minnesota; Woodbury has been one of the affiliate's most active build markets, with 50+ Habitat homes built in the city.
  • Homebuyer education required: Yes

How to Apply for Habitat for Humanity of Washington County (MN) Homeownership Program

Step 1: Confirm household income falls between 50% and 80% AMI and that you have a minimum credit score of 600 with no collections, charge-offs, unsatisfied public records, or bankruptcies within the last seven years. Step 2: Apply through Habitat for Humanity of Washington County during an open application window. Step 3: If selected, complete 200 sweat equity hours per household and a HUD-approved homebuyer education course. Step 4: Close on the Habitat home with an affordable mortgage and move in.

Learn More About Homebuying Assistance

Cities Where This Program Is Available (3 cities across 1 state)