Willingness to Partner is evaluated based on timely communication, positive representation of our organization, and following directions. All approved applicants are required to complete 300-550 sweat equity hours in total as a household, depending on the number of adults. These hours will be spent taking classes on financial education, preparing and maintaining a budget, home maintenance, and assisting in the construction of all HFH homes, including your own home. 

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, debts, and utilities. We look at your total family income to make sure you do not make over these limits. For our final evaluation, we look at what the Applicant and/or Co-Applicant are making to determine if those who would sign the mortgage documents would be able to pay, as they will be responsible for the 30-year mortgage. Please make sure the Applicant and Co-Applicant’s (if there is one) combined annual income fall within the ranges listed above. 

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 Homeowner Selection Committee. These documents should be mailed to the following address & post-marked no later than August 31st, 2026:

Habitat for Humanity Fargo Moorhead Area

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 = $16.50 OR 
  • 2-applicants = $33.00  
• 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?

Thank you!