Purchase Assistance Loan (PAL) Program
One Roof Lending’s alternative to private mortgage insurance (PMI). Qualified homebuyers can finance a down payment loan with an affordable monthly payment through this program, saving the cost of monthly PMI.
Essentia Homeowners Hillside Incentive Program (HHIP)
Essentia Health and One Roof are partnering to provide support to prospective homebuyers in Duluth’s Central Hillside Neighborhood. The collaboration will provide $15,000 forgivable down-payment assistance to applicants. This program has limited funds.
Impact Down Payment Assistance Program
This program, funded by Minnesota Housing, provides income-qualified buyers ~$20,000 to help with upfront home purchase costs. Funding is limited and awarded first-come, first-served
