Home Ownership with Habitat Winona County
Now Accepting Applications - Winona Homeownership Program
Looking for an affordable path to homeownership? Habitat for Humanity is currently accepting applications for individuals or households earning up to 80% of the Area Median Income.
Start Your Journery Here: 👇
Step 1. Complete the Homeowner Interest Form
Step 2. Connect with our Homeowner Services Manager
Step 3. Fill out a homeowner application
You may qualify for a Habitat home if:
Your household income should fall between 30% and 80% of the median income. See chart for Winona County below.
You have a need for safe, affordable housing.
You have the ability to make monthly mortgage payments.
Are willing to partner with Habitat including but not limited to:
200 hours of sweat equity
Commit to saving for a down payment
How the Habitat Homeownership Program Works
Apply & Get Selected
We review applicants based on need, ability to pay, and willingness to partner. Applications are reviewed on a monthly basis.Build Your Home
You’ll work alongside volunteers and staff to help build your home.Prepare for Ownership
Attend classes on budgeting, home maintenance, and more.Buy Your Home
Purchase your home with an affordable mortgage.Move In
Timeline: typically 9 months–2 years depending on construction.
2025 HUD Income Guidelines (Winona County)
We provide services to individuals and families with household incomes up to the maximum limits shown in the diagram below.
Frequently Asked Questions
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It can take from 9 months to 2 years for a selected homebuyer to 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.
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We follow all state and local building codes and build to the Minnesota Green Communities standard.
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In addition to the above-mentioned classes and sweat equity, Habitat homebuyers are asked to participate in fundraisers, newspaper or TV coverage, and photographs. This is necessary to maintain community involvement, and every effort is made to make the experience comfortable for the family.
After moving in, homebuyers must make monthly mortgage payments on time and maintain the house and yard. Homeowners are totally responsible for their property and monthly utility bills.
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Yes, you will have a mortgage. Habitat for Humanity sells houses with affordable mortgages. The length of the mortgage is typically 30 years.
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If you are interested in knowing more about the Habitat for Humanity homeownership program, please email us at info@habitatwinona.org with the subject line “Homeowner Interest List.”
If you have any questions, please call (507) 457-0003.
Habitat for Humanity serving Winona County 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.
