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Apply For a Home

Habitat for Humanity provides a unique opportunity for hardworking families to build and buy their own homes. Our homes are sold at no profit to our homeowner families, with a 0% interest mortgage. The mortgage lengths vary depending on the family income. Habitat for Humanity homeowner mortgage payments are put into a revolving fund that helps pay for construction of future homes in Cass and Clay counties.

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How families are chosen:

Equal Housing Opportunities

The selection of families who will purchase homes from Lake Agassiz Habitat for Humanity is done by the 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 or 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.

Housing Need: They must currently live in sub-standard housing with structural defects, health hazards, other unsafe conditions, or housing that is simply too small for the family.

Partnership: They are willing to partner with Habitat in the construction of the home by contributing "sweat equity" hours (250 hours of labor per adult in the household).

Affordability Need: Each family has a household income that falls within Habitat’s guidelines and shows an ability to repay the interest-free loan.

Sweat Equity

Sweat EquityEvery Partner Family adult (age 18 and up) is required to perform a minimum of 250 hours of volunteer work known as "sweat equity" within the Habitat organization before moving into their home. 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 provides simple, decent and affordable homes to families in need. Click here to read other frequently asked questions about Habitat.

How to apply

If you’re interested in applying for a Habitat home and meet all the criteria listed above, you must first attend one of our orientation classes. View class schedule and register for a class by going to You only need to attend one session.