Forgivable Loan Program

One Roof administers a no interest and no payment loan. Homeowners may receive up to $27,000 to make permanent repairs to their home. The amount of the loan is due upon sale or transfer of the home.  The loan will be completely forgiven if the homeowners occupy the home for at least 15 years from the date of closing. You must income qualify for this program, and funds are limited.

What improvements can I make?

Make basic improvements to the safety, livability, energy efficiency and accessibility of your home.  Here are some examples – ask us if your project is eligible.

  • Electrical wiring
  • Furnace or boiler replacement
  • Windows and doors
  • Siding and roofing
  • Plumbing
  • Septic system upgrades
  • Water heater
  • Mold and radon mitigation
  • Lead-based paint hazards

You may be eligible if you:

  • Own and occupy the property
  • Do not have cash assets exceeding $25,000
  • Meet the program income limits (subject to change):

1 person – $22,100
2 people – $25,200
3 people – $28,400
4 people – $31,500
5 people – $34,000
6 people – $36,500
7 people – $40,200
8 people – $44,700
9 people – $49,200
10 people – $53,800

Learn more here: HOW TO APPLY

For more information on our loan programs, please call (218) 727-5372 or send your questions by email to: info@1roofhousing.org

NMLS: 380490

* Loan and program availability dependent upon funding.

12 E. 4TH STREET
DULUTH, MN 55805

Office Hours:
Monday-Thursday
8:00am-4:30pm*

*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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