Apply for a Home

WE ARE NOT PRESENTLY ACCEPTING APPLICATIONS. If you would like to be added to our interest list, please call the office at (507) 457-0003.

Our purpose is to build homes with families and sell the houses at no profit and no interest to families who could not otherwise afford a home. If you wish to apply for our home ownership program, please read through this page so you can gain a better understanding of the process. Eligibility information is at the bottom of this page. If you have any questions, please feel free to call  us at (507) 457-0003.

Please read the following to see if you meet our general guidelines. To qualify for a Habitat home:

  • Your family income should fall between 30% and 60% of the median income. See chart for Winona County below.

  • You must be unable to obtain a conventional or government-assisted mortgage loan.

  • You must have housing need. For example, overcrowding (three to a bedroom), unsafe or unsanitary conditions, no indoor plumbing, poor heating, or a leaking roof, to name a few.

  • If approved, you must contribute a minimum of 325 hours of sweat equity.

We will verify employment and other income, checking and savings balances, current debt, and run a credit check. If approved for a Habitat home:

  • You must be willing to attend budgeting, home repair and maintenance classes.

  • About $1,000-$2,000 will be needed for a down payment and closing costs. You will have some time to save this money before closing.

  • You must have the ability to make monthly house payments along with your current debt. The total mortgage payment, taxes, insurance should not be greater than 30% of your total income.

2018 HUD Income Guidelines (Winona County)

Family Size Maximum Income
One $30,840
Two $35,220
Three $39,600
Four $43,980
Five $47,520
Six $51,060
Seven $54,540
Eight $58,080

Frequently Asked Questions

How does Habitat define a family?
For our home ownership program, we define a family as at least one person.

If I qualify, how long will the process take?
It can take from 6 months to 2 years for a selected family to actually move into their house. There are many factors than can affect how quickly your home will be completed, and Habitat makes no guarantees of when construction will be completed.

How are Habitat homes built?
We follow all state and local building codes and build to the Minnesota Green Communities standard.

What would my responsibility to Habitat be?
In addition to the sweat equity commitment, selected families attend a home maintenance class. Budget and/or credit counseling is required for partner families.

Habitat for Humanity raises much of its funds through publicity throughout the community. To raise community awareness, Habitat homeowners are asked to participate in fundraisers, newspaper or TV coverage, and photographs. This is necessary to maintain community involvement, but every effort is made to make the experience comfortable for the family.

After moving in, families are expected to make monthly mortgage payments on time and keep the house and yard well maintained. Homeowners are totally responsible for their property and monthly utility bills.

Will I pay for the house?
Yes, just like other home buyers you will have a mortgage. Habitat for Humanity sells you the house at no profit and with an affordable monthly payment. The length of the mortgage is up to 30 years.

What should I do next?
If you are interested in being a part of the Habitat for Humanity home ownership program then you should complete an application. There are many ways to get one:

  1. Email us at with the subject line “Application Request.” In the body of the email type your name, address, and phone number. You should expect to receive your application in the mail in about seven days.

  2. Stop by the office to pick up an application. Our office is located at 126 N Baker St, Winona, MN 55987.

  3. Stop by the ReStore to pick up an application. The ReStore is located at 77 Laird St, Winona, MN 55987.

  4. Download an application HERE and either drop it off at our office or mail it to us at PO Box 1183, Winona, MN 55987.


If you still have any questions, please call us at the office at (507) 457-0003.

Habitat for Humanity Winona-Fillmore Counties is an equal housing lender, and does not discriminate based on race, creed, color, religion, national origin, sex, marital status, family status, age, or disability.