Home Ownership Opportunities

Northfield Housing Cost Assistance Program
The Northfield Housing and Redevelopment Association (HRA) provides a down payment or closing cost assistance program for first-time homebuyers purchasing a home within the Northfield city limits. Funds are in the form of 0% interest loans, with no payments due until the home is sold or refinanced. Requirements:

  • Buyers must meet income guidelines for their target category.
  • Buyers must complete an eight-hour Home Stretch homebuyer education class.
  • Buyers must be able to qualify for a first mortgage that meets program guidelines (long-term, fixed interest rate).
  • Buyers must have a signed purchase agreement.

Access the Housing Cost Assistance Application.

Three Rivers Housing Cost Assistance Program
Three Rivers Community Action has a down payment and closing cost assistance program for eligible buyers in that may be used in conjunction with the city’s program. Buyers can qualify for up to $18,500 based on individual household need. Funds are in the form of 0% interest loans, with no payments due until the home is sold or refinanced. Buyers must be one of the three target categories:

  1. Household of color or ethnic minority
  2. Single female with custody of minor children
  3. Household with a disability

See more information or apply.

Property for Sale
The Northfield HRA does not currently have property for sale. We recommend contacting a local realtor to assist you with finding a home suitable for your needs.