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Are you a first time home buyer?

Becoming a first-time homebuyer is a wonderful goal, and with time, proper preparation, and knowledge of what you can afford, you’ll be able to achieve that goal.

Realtor Information

Why Buy with Habitat

  • Affordable monthly mortgage payments capped at 30% of your income
  • 30-year mortgage with 2.0% fixed interest rate for the term of the mortgage
  • No down payment required. Closing cost and affordability assistance available.
  • Guidance through each step of the qualification and home buying process
  • Homebuyer education workshop helps prepare you for the responsibilities of homeownership
  • We are a trusted partner. For over 35 years, Twin Cities Habitat has helped more than 1,300 local families become homeowners.

Ways to Buy with Habitat

There are two ways to buy a home with Twin Cities Habitat.
Either way, we provide you with the education and
support you need to become a successful homeowner.

A family on their couch.

Shop for a home with a Realtor

Once you’re approved for a mortgage, you can work with a Realtor to find a home in the seven-county metro area.

Find Out IF You're Eligible
A Habitat homeowner with her son.

Buy a Habitat built or renovated home

Twin Cities Habitat builds and renovates homes, which are only available to clients in our homebuying program.

Find Out If You're Eligible

Find out if you're eligible for
our homebuyer program

Sample Mortgage Terms

Estimated First Mortgage $200,000
Fixed Interest Rate  2.0%
APR (Annual Percentage Rate) 2.0426% 
Monthly Principal and Interest Payment
   *Monthly payment estimates quoted reflect the principal and interest portion of the payment and do not include homeowner’s insurance, property taxes, or maintenance fund, which are also required to be paid.
Term  30 Years 
Borrower Down Payment  $0.00 
Borrower-Paid Closing Costs 
   *Borrower’s contribution to closing costs does not include the owner’s title insurance policy if the homebuyer chooses to purchase.
 Please note that our rates and terms can change at any time.