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How to Apply

Every family needs a strong foundation to build a brighter future


Thank you for your interest in applying for our Homeownership Program!
  • The next round of applications will be available beginning on August 1, 2024. Please visit the Habitat ReStore during store hours to pick up an application from the cashier or check back to our website after August 1, for the option to access the application online.
  • ReStore hours are Tuesday-Friday, 10 AM-6 PM and Saturdays 10 AM-4 PM.
Click Here to be added to the Interest List for Future Applications
Click Here to pay the Non-Refundable Application Fee

Application Frequently Asked Questions:

Additional Application Materials Guide
Answers to Frequently Asked Questions

Do you have additional questions about our application process?

You MUST schedule an appointment with Brianna in advance to either talk through your questions over the phone or meet in-person about your homeownership program application questions. She is not accepting walk-ins. Thank you for your understanding. Click the button below.

Schedule an Appointment with Brianna

How to submit your completed application:

If you have provided all of the information requested on your application and used the checklist to gather your external documentation, then you are ready to submit your application.

Please mail your completed application to our PO Box before September 30th to be considered for this year:

Lake Agassiz Habitat for Humanity,

Attn: Brianna

PO Box 1022

Moorhead, MN 56561

Homeownership Program Requirement Overview

How families are chosen:

The selection of families who will purchase homes from Lake Agassiz Habitat for Humanity is done by our Family Selection committee in a way that does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity, national origin or because all or part of the applicant’s income is derived from public assistance programs. The applicant families go through the required application and interview process to determine their needs and the ability to meet LAHFH’s requirements.

We use the following criteria to choose families each year:

Residency: Families must have lived or worked within the Lake Agassiz Habitat for Humanity service area for the past year. Lake Agassiz Habitat for Humanity’s current service area is Cass County of ND and Clay County of MN.

Housing Need:

  • Current shelter is inadequate – structural defects, lack of heat, maintenance problems, etc.
  • Temporary or transitional housing – living with friends or family
  • Household is overcrowded (number of persons in each bedroom is greater than 2, or number of persons sleeping in rooms other than bedrooms)
  • Environment is inadequate – household feels unsafe or there is health hazards
  • Household currently pays more than 30% of total gross monthly income for housing
  • Unable to purchase a home through an other means.

Partnership: They are willing to partner with Habitat in the construction of the home by contributing “sweat equity” hours (300 -550 hours minimum per household). Families agree to care, maintain and repair their own home and yard. Families agree to reflect and represent Lake Agassiz Habitat for Humanity in a positive manner.

Ability to Pay:

  • They are able to save $3,000 toward closing costs.
  • Must agree to a credit check and pay the fee for this at the time of submitting the application.
  • Must have had any bankruptcy filing discharged 2 years prior to applying for a Habitat home.
  • Monthly debt plus estimated monthly housing cost must be less than 40% of gross monthly income.
  • No outstanding liens or judgements. Cannot have owned a home within the last 3 years (with the exception of mobile homes).
  • We serve individuals and households earning between 50-80% of HUD’s area median income. (Refer to the guidelines below, broken down by annual and monthly income.)
Income limits based on family size.

Sweat Equity

Every Partner Family is required to perform a minimum of 300-550 hours of volunteer work known as “sweat equity” within the Habitat organization before moving into their home. The number of hours required is determined by how many adults live in the household. Sweat equity is an exciting learning experience in which Partner Families work with family, neighbors, and friends to build other Partner Families’ homes as well as their own.

Working alongside volunteers and future neighbors to build their home and community is one of the most rewarding aspects of Habitat for Humanity for Partner Families. Besides working on the construction site, there are many other ways to complete sweat equity hours such as working at the Habitat for Humanity ReStore, helping in the LAHFH office, and attending classes on home maintenance and financial fitness. Habitat for Humanity does not give handouts, but instead partners with families in need to provide a simple, decent and affordable homes.

Habitat for Humanity does not give handouts, but instead partners with families in need to provide a simple, decent and affordable homes.

Community Partners:

If you are above our income guidelines for your family size, we recommend you contact the Community Land Trust.

Cass Clay Community Land Trust - Learn More

If you are below our income guidelines for your family size, we recommend contacting one of the following programs for assistance:

CAPLP - Clay County
SENDCAA - Cass County
YWCA - Women's Shelter/Transitional Housing
Are you ready to apply?

Applications are available August 1-31 ONLY and can be obtained by:

1.  Stopping at the Habitat ReStore during store hours of Tuesday -Friday from 10:00 AM-6:00 PM and Saturday from 10:00 AM-4:00 PM. Habitat ReStore is located at 210 11th Street North in Moorhead and is accessible by bus. ReStore staff are unable to answer your questions, but all questions will be answered at the Virtual Introduction to Homeownership class.

2. Email: Email your name, mailing address and phone number to brianna@lakeagassizhabitat.org If you request an application by email, they will be sent out on Friday mornings, during the application pick-up period.

3. Postal Mail: Email your name, mailing address and phone number to brianna@lakeagassizhabitat.org If you request an application by mail, they will be sent out on Friday mornings, during the application pick-up period.

Information on LAHFH Introduction to Homeownership Class:

All applicants are highly encouraged to attend a 1-hour LAHFH Introduction to Homeownership Class. Attending this class is part of LAHFH’s “Willingness to Partner” criteria.

This year’s class will be held virtually:

  • Monday, August 19, 2024 at 7:00 PM
  • Thursday, August 22, 2024 at 7:00 PM
  • Monday, August 26, 2024 at 7:00 PM

*Families that do not have access to internet and/or video capabilities need to email Brianna@lakeagassizhabitat.org as soon as possible, to arrange an alternative option.

To register, click the link below:

  1. Complete the online registration form for the date that you works in your schedule.
  2. The class will be held using Microsoft TEAMs. The link is found on the event page.

Each class will cover the application process, how families are selected and how LAHFH builds it houses. The class is free. Interpreters are not provided, but you are welcome to use an interpreter if needed. Do not let your children distract you during the virtual class.

2026 Homeowner Application Packets are due by September 30. Applications must either be mailed to: Lake Agassiz Habitat for Humanity, Attn: Brianna, PO Box 1022, Moorhead, MN 56561.

OR: Applications may also be dropped off in the designated mailbox slot only – the mailbox is attached to the outside of the Lake Agassiz Habitat for Humanity building entrance (Office/ReStore Address: 210 11th St. N. Moorhead).

Habitat staff are not responsible for misplacing any applications that are dropped off anywhere else. 

Click Here to Register for the Application Orientation Class
Non-Proselytizing Policy

Habitat for Humanity International (“Habitat”) and its affiliated organizations will not proselytize. Nor will Habitat work with entities or individuals who insist on proselytizing as part of their work with Habitat. This means that Habitat will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

Equal Housing Opportunity

We are pledged to the letter and spirit of U.S. Policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.