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Benefits of buying with Habitat

  • Affordable mortgages available through TCHFH Lending, Inc.
    • No down payment, no mortgage insurance
    • Eligible credit scores: 620+ preferred (580 minimum with financial coaching)
    • 30-year mortgage with 3.0% fixed interest rate for the term of the mortgage*
    • Affordable mortgage payments at or below 30% of your income
    • Closing cost grants
  • One-on-one financial coaching
  • Homebuyer education courses (required)
  • Closing cost and affordability assistance options available
Find out if you're eligible >>

Two ways to buy

Find your own home

Work with a realtor to buy a home for sale in the seven-county metro area

Buy a Habitat home

Buy one of the homes built or renovated by Twin Cities Habitat.

Your trusted partner

Since 1985, more than 1,200 local families have partnered with Twin Cities Habitat for Humanity to achieve stable, affordable homeownership.

Hear from Habitat homeowners

“Everything I learned has been very beneficial for me, as a homeowner. I took notes in all of my classes, and learned about water, electrical, and everything that goes into owning a home. I really enjoyed every part of it ... I was one of those people that thought they would never own a home. And yet, here I am, a homeowner. Habitat made that possible.”


Isabel, Habitat homeowner since 2015

Brooklyn Center

"Once you're chosen [for Habitat] and you have a home it's kind of like these doors open up. It really does guarantee you that you have a place to call home and that you have a place for your babies that's safe."


Juanita, Habitat homeowner since 1995

North Minneapolis

“I just simply love the feeling of having a house to finally call my own. I’ll care for it, protect it, create memories in it, and most importantly I’ll raise my family in it. Being a first-time homeowner is a huge step in anyone’s life, and I’m grateful to have achieved it with Habitat for Humanity.”


David, Habitat homeowner since 2015


Find out if you're eligible to buy with Habitat >>

*Sample Mortgage Terms

Estimated First Mortgage $135,000
Fixed Interest Rate 3.0%
APR (Annual Percentage) 3.0668%

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 Parment $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.