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Homeownership

NOTICE: Homeownership applications are currently paused.  

Due to the high demand for affordable homeownership with Habitat, we are not accepting new applications at this time. Please fill out the inquiry form to inquire about homeownership or to schedule an in person informational meeting with our Family Services Selection Manager. Check back on the website to see when the application process reopens. 

What are the requirements for partnering with Habitat for Humanity, to become a homeowner?

There are four criteria for qualifying:

  • Residency

    • Must have lived or worked in West Otter Tail County for at least one year.

  • Demonstrate a need

    • Does your current home have health, safety, or affordability issues?

    • Do you have fewer bedrooms than necessary for the size of your family?

  • Ability to pay

    • Are you free of any collections, delinquencies, or bankruptcies?

    • Are you unable to get a traditional loan to purchase a home?

    • Does your income fall within 40-80%* of the Otter Tail County median family income for your family size? See the chart below. (*Up to 80% by exception)

  • Willingness to partner

    • Are you willing to contribute 100 hours of “sweat equity” per adult in the household?

    • Are you willing to participate in education and training programs?

Interested in Learning More?

Please complete this form to send us an inquiry.  We will then get back to you with more information on this process.

Qualifying Family Income Levels Table