100px-Equalhousinglender.svgOne Roof offers down payment and closing cost assistance to income eligible households purchasing within the Duluth city limits. The assistance comes in the form of a 0%, 30-year deferred loan, due on sale or refinance, or if the home ceases to be the owners primary residence.  The amount of the assistance is determined by need on a case-by-case basis, starting at $500 with the potential to increase up to $2000.

To qualify, applicants must:

    • Complete One Roof’s HUD approved Home Stretch homebuyer education class
    • Have a total household income of not more than $51,050
    • Have a signed and accepted purchase agreement at time of application
    • Purchase property must be located within the Duluth city limits
    • Be working with a mortgage lending program that allows for 3rd party non-profit assistance (No Contract-For-Deeds)
    • Applicant is limited to 6 months PITI in cash assets after closing

In partnership with Essentia Health, One Roof coordinates the Homeowners Incentive Program (HHIP) program that assists employees of Essentia who purchase a home in selected neighborhoods with down payment and closing cost assistance.

To apply complete the online application here. *This form needs to be completed using a desktop computer. It does not currently work in a mobile format. 

Please note: Applications for down payment assistance will not be accepted until applicant has entered into a purchase agreement.

For more information on our loan programs, please call: 218-727-5372.