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  • Lake Agassiz Habitat for Humanity

1A, 1B. Applicant Info, Military Svcs.

2. Willingness To Partner

3. Present Housing

4. Property Info

5. Employment Info

6. Monthly Income

7. Down Payment & Closing Cost

8. Assets

9. Liabilities And Expenses

Employment Verif. Authorization

Landlord Reference Authorization

10. Declarations

11, 12. Signature, Right for Appraisal

13. Demographic Information

14. Unmarried Addendum

Reasons to be Selected

Equal Credit Opportunity Act Notice

Application Checklist

Homeownership Program Application

Dear Applicant, 

Please review ALL of this information before moving on with your online application - We recommend that you fill out the online application using a computer if at all possible, as sometimes the phone cuts off important sections of the application.

Also - make sure that you complete ALL TABS of the application... like clicking on "Co-Applicant" if you have a spouse or another person you're applying for the mortgage with, or "Dependents" to enter all other household members (make sure to enter their gender as well), or "military service" if you have served our country. Other commonly missed sections are the "co-applicant's employment" tab and the "Monthly Expenses" tab.

Thank you for your interest in the Lake Agassiz Habitat for Humanity (LAHFH) Homeownership Program.  We believe that everyone should have a safe, affordable place to call home and we assist consumers by offering a hand-up, and not a hand-out. Our application process is multi-step and involves helping prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance, and upkeep of homes, and more. Our application collects information that will allow us to determine your qualification based on our three criteria; Need, Willingness to Partner and Ability to Pay, each are further defined below.  

Need is evaluated based on total household income which must be within the range listed below, and your need for better housing. Current residence that is temporary, over-crowded, more than 30% of your income goes to rent, or inadequate such as problems with the structure; electrical or sewage service systems are examples of need for better housing. 

 
Household Size  
Yearly Income must be between these ranges to qualify
$40,500 - $64,750
$46,250 - $74,000
$52,050 - $83,250
$57,800 - $92,500 
$62,450 - $99,900 
$67,050 - $107,300 
$71,700 - $114,700
$76,300 - $122,100 

*Families 9+ can contact our office for income ranges 

Willingness to Partner requires approved applicants to complete 300-550 sweat equity hours for the household, depending on the number of adults. These hours will be spent taking classes on financial education, preparing, and maintaining a budget, and assisting in the construction of all HFH homes including the one that will be assigned to you. In preparation for maintenance and basic repairs of the house you will purchase, classes on home maintenance are also required.   

Ability to Pay will be evaluated based on income and debts to determine that the affordable mortgage can be paid each month along with other obligations such as childcare and utilities.  

Other required documents MUST be submitted to accompany your online Homeownership application, in order for your application to be considered "complete" and processed by the Family Selection Committee. These documents should be mailed to the following address & post-marked no later than August 31st, 2025:

Lake Agassiz Habitat for Humanity

ATTN: Carissa

PO Box 1022

Moorhead, MN 56561

Listed below are the addition items required (do not submit any original documents):

  • All sections of the online application must be completed. If any section is left incomplete, you will receive an email allowing the application to be reopened and you must fill in the missing information before the deadline.
  • Cashier’s check or Money Order for application fee/Tri-Merge Credit Report (non-refundable).
    • 1 applicant = $15.00 OR 
    • 2-applicants = $30.00  
  • Register for a Habitat Homeowner Application Class – details on our website
  • Letter explaining the need for a Habitat Home
  • Copy of photo identification for everyone 18 years of age and older Proof of eligibility to work and reside in United States of America
    • US Citizenship or birth certificate if born in USA OR permanent resident’s card for all family members planning to live in the household.  
  • Rental information
    • Current Lease
    • Most recent 12 months of cancelled checks, receipt or bank statement showing the current rent payments 
    • Rental Assistance Award Letter or Section 8 Housing Letter.
  • Income information for all household members aged 18 and older ?
    • If employed– most recent 2yrs W2’s, signed tax returns and 6 most recent pay stubs to cover a 3-month period.
    • If Self-Employed (25% or great ownership interest in a business) – the past 2 years of signed income tax returns (both individual and business as applicable) and applicable schedules.
    • Other Income – Public Assistance, Social Security, SSI, or Disability, provide the award or benefit letter; Child Support and other court mandated payments like alimony, provide the court order.  
    • Zero Income - If an adult in the household makes zero income, an additional verification form will be required to complete.
  • Financial Information - Expenses/Debts 
    • Copies of the last 2 utility bills (gas, water, sewer, electric, cable, phone, etc.) 
    • Proof of 12 months child support or alimony payment, including agreement (if applicable)  
    • Most recent 3 months of statements for each credit card and loans, showing amounts owing  
  • Financial Information - Assets
    • Most recent quarterly 401(k) or 403(b), or other retirement statement 
    • Most recent 3 months of bank statements for each bank account held – jointly and or sole owner, as applicable
  • Other:
    • Marriage Certificate or Divorce Decree, as applicable
    • Discharge papers if you declared bankruptcy within the last 7 years 

What happens after I turn in my application?

Once a complete application with all required information is received, Habitat staff and Selection Committee Volunteers will review and verify the information you provided in your application including your bank account balances, income, rental history, credit score, and a background check. A full review will be completed within 30 days of receiving a completed application.

Applicants that meet the initial qualifications will receive a notice letter within 30 days to let you know what the next step is in the family selection process. Denial letters will be mailed to those who do not meet the requirements of the program.

*Please note: Our Family Selection Process is lengthy, and the final qualified families will be brought to the January board meeting for approval. Selected families will be notified at the end of January 2026 and the remaining families will be denied throughout that process or at that time. If you need immediate assistance for housing, Habitat for Humanity may not be the right fit for you. If you are applying for our 2027 homeownership program, the earliest you would likely move into the new home would be Fall/winter of 2027, but this timeline could change.

Need additional help or still have questions?

  1. Visit our website to see if your question can be answered online - www.lakeagassizhabitat.org/apply 
  2. Contact Carissa, LAHFH Homeowner Services Coordinator
  • Scheule a 30-minute meeting by calling or emailing Carissa (Please do NOT just show up with questions at the office without an appointment)
  • Phone (218) 359-0814
  • Email: carissa@lakeagassizhabitat.org

Thank you!

Applicant Information
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Present Address
Co-applicant Information


Dependents of Applicant
Dependents and others who will live with you (not listed by co-applicant)
Add A New Dependent

Military Service

If yes, check all that apply:




If yes, check all that apply: