2025
HOW TO APPLY FOR AN AFFORDABLE HOME IN DULUTH, MN
If you ….
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Live or work in St. Louis County Minnesota and have, for more than 6 months.
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Have need for a decent affordable home.
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Are willing to partner with Habitat for Humanity
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Have a regular source of income but are not able to qualify for a traditional mortgage.
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Your total household annual income, based upon the size of your family, is in the following range:
# People | At least | Not more than |
|---|---|---|
1 | $32,000 | $53,350 |
2 | $32,000 | $60,950 |
3 | $32,000 | $68,550 |
4 | $32,000 | $76,150 |
5 | $32,000 | $82,250 |
6 | $32,000 | $88,350 |
7 | $32,000 | $94,450 |
You may qualify to be Habitat for Humanity’s 2025-2026 Partner Family and to buy the new 3-bedroom, 2-bathroom home being built in the Smithville neighborhood of Duluth.
Step 1. Fill out the attached form. Tell us if you are interested and how to contact you. You may send the form or information to our office by US Mail, email, or telephone call. This must be submitted before the end of April.
Step 2. Schedule a telephone interview. When we receive your interest information, our team will contact you to schedule a telephone interview. During the interview we will explain to you the Habitat Partner Family program and answer your questions. We will discuss your current housing need, your financial and family situation and the commitment required to meet the responsibilities of being a Habitat Partner Family.
Step 3. After the interview, if you are still interested, you will be asked to complete a more comprehensive application form with supporting documentation. This application will need to be completed no later than May 15, 2025.
Step 4. We will review all the completed applications and notify you no later than May 31, 2025, if you are selected to be our 2025 partner family.
Selection as a partner family is not a guarantee of the home. It takes about a year to complete the program and for the home to be completed. When the home is completed, you will need to formally apply for a mortgage. If you are able to purchase the home, your mortgage payment will be no more than 1/3 of your monthly income.
Habitat is a homeownership program. Our homes provide families with financial stability and financial opportunity by offering affordable monthly payments with a low interest mortgage. It is expected that families who enter the program are looking for long-term homeownership. These processes and restrictions have been created to protect Habitat from individuals who are only interested in buying an affordable home to quickly sell it to make a profit.
Habitat for Humanity does not discriminate against any person because
of race, color, religion, sex, handicap, familial status, or national origin.
If you're interested in more information about Western Lake Superior Habitat for Humanity’s 2025-26 Affordable Home – Family Partner Program in Duluth, fill out the following online form and submit.
Or, download the Microsoft Word-based application form and
Mail to:
Western Lake Superior Habitat for Humanity
PO Box 3190
Duluth, MN 55803
Or Email to: