This program was created in partnership with Essentia Health. The purpose of this unique program is to increase affordable homeownership opportunities in the Hillside community. This program is now open to anyone, regardless of where you are employed.
The Essentia Homeownership program provides $15,000 in down payment and closing cost assistance for buyers purchasing within Duluth’s Central Hillside neighborhood. View a map of the eligible area.
Depending on your household income, the following terms are available:
For Households earning 80% Area Median Income by household size and below:
- $15,000, 0% interest, 5-year declining grant (20% forgiven each year)
- Remaining balance due on sale or transfer of the home within those 5 years
For households earning above 80% Area Median Income by household size:
- $15,000, 0% interest, 20-year deferred loan
- Due on sale or transfer of the home during the loan term
Prospective applicants for both versions of this program must complete One Roof’s Homebuyer Education Workshop before closing. Learn more about our Homebuyer Education Workshop.
First mortgage loan officers can fill out our online application. Please note that this form is for the loan officer to complete and submit to appropriate One Roof staff.
Please note that funds are limited and available on a first-come, first-serve basis.
For more information on our loan programs, please call (218) 727-5372.
NMLS: 380490
