Who qualifies for Community Land Trust?

      • Anyone who meets the Income Guidelines below.

      • Anyone who has good credit and can obtain a mortgage through one of our participating lenders: 

        • Anyone who has regular income from an employer, self-employment, or other sources such as Social Security, disability or child support.

        • Asset limits may apply.

        • You do not need to be a first time buyer.

      Income Guidelines

      Buyers only have to income qualify at the time of original purchase

      The income limits are based on the taxable gross income of all adults who will be living in the household at the time of purchase, regardless of whether or not they will be on the mortgage. All income is counted, including regular employment wages, child support, alimony, Social Security, and disability benefits. Buyers only have to income qualify at the time of original purchase. Their income is never monitored again, and there is no limit on how much they can earn in the future.

      Household Size 2024 Duluth Income Limits
      1 $53,350
      2 $60,950
      3 $68,550
      4 $76,150
      5 $82,250
      6 $88,350
      7 $94,450
      8 $100,550



      12 E. 4TH STREET
      DULUTH, MN 55805

      Office Hours:

      *In-person appointments and office visits are by appointment only.  Please call 727-5372 to schedule an appointment!

      Phone: (218) 727-5372

      Fax: (218) 727-9368

      Email: info@1roofhousing.org

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