Looking to own a home?

Habitat provides you with the education and support to be successful in your homebuying journey.

We can help you buy a home you love with a mortgage you can afford. Buy a home built or rehabbed by Habitat, or work with a realtor to buy a home on the open market.

How It WorksFind Out if You're Eligible


Why buy with Habitat?

  • Affordable monthly mortgage* payments- at or below 30% of your household income
  • One-on-one financial coaching with a customized action plan to manage your budget, pay off debt, understand credit, and save for your home purchase
  • Homebuyer education classes prepare you for the responsibilities of homeownership
  • Post-purchase support provides maintenance advice, resources, and opportunities to connect with your community
  • We are a trusted partner. For over 30 years, Twin Cities Habitat has helped more than 1,100 families buy an affordable home. We are the #1 builder of ENERGY START homes in Minnesota, and 86.4% of every dollar entrusted to our organization goes directly to support our programs and services. 

Homebuying ProcessMortgage Product

*Habitat mortgages are provided through our subsidiary, TCHFH Lending, Inc. Click here to learn more about the requirements that need to be met to qualify for a TCHFH Lending, Inc. mortgage.

Are you eligible?

You may be if...

  • You've lived in Twin Cities seven county metro area for at least one year
  • You meet our income eligibility guidelines
  • You haven’t owned a home or any land during the past three years (waived for U.S. military members and veterans; owners of manufactured homes are eligible if you do not own the land where your manufactured home)

See all requirementsIncome Guidelines 

Family Stories

"I love every bit of this home. This is my house. I can point to certain pieces of it and say 'I worked on this wall right here'. I'm in love with being able to see it come together, and say I put my sweat, tears, aches and pains into it."

-DoShanley, Read her story 

“We thought that Habitat for Humanity was for other families, not us. We just figured we’d keep saving and working hard and eventually we’d be able to get our own place. But after a few years of trying, it just wasn’t happening.”

-Kathy & David, Read their story 

"Charlie was very patient with us. He made it happen."

-Muktar & Esniya, Read their story 

  • DoShanleys family story
  • Kathy and David family photo with kids
  • Muktar and Esniya family photo
See All Stories

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