One Roof offers two down payment and closing cost assistance programs to income eligible households – the Essentia Employee Fund and One Roof’s Purchase Assistance Loan.

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

Additionally, One Roof’s Purchase Assistance Loan program offers qualified homebuyers the opportunity to finance their down payment saving the buyer/borrower the cost of a monthly mortgage insurance premium.

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