Red River Valley Habitat for Humanity, based in Grand Forks, builds affordable homes across Grand Forks County in North Dakota and Polk County in Minnesota, and sells them with a zero-interest mortgage and no down payment. It runs a ReStore. Here is how to qualify, what is involved, and how to help.
The affiliate's family selection committee chooses homeowners on three criteria: level of need, willingness to partner, and ability to repay an affordable mortgage. Homes are sold at a discounted price, with each mortgage originated at zero-percent interest and no down payment required, and the payment kept to no more than 30 percent of annual income.
| Requirement | Detail |
|---|---|
| Mortgage | A 0% interest mortgage, with no down payment required. |
| Payment | No more than 30 percent of annual income. |
| Need | A demonstrated need for safe, affordable housing. |
| Ability to repay | Able to repay the zero-interest mortgage. |
| Willingness to partner | Sweat equity, working alongside volunteers and other homeowners. |
The affiliate serves Grand Forks County in North Dakota and Polk County in Minnesota.
Applying runs through the affiliate's homeownership program, and the family selection committee evaluates need, willingness to partner, and ability to repay. The affiliate periodically opens applications for low-income families wanting a new home.
Partner families then invest their sweat equity hours on the path to closing.
Red River Valley Habitat runs a ReStore that sells new and gently used furniture, home accessories, building materials, and appliances at a fraction of retail, with proceeds funding the mission. It accepts donated goods from the community.
The affiliate also runs a Habitat Helpers repair program that takes applications to help existing homeowners with repairs.
Volunteers help build homes alongside future homeowners and support the ReStore, and you can sign up through the affiliate's site. The organization is based at 711 N Washington Street in Grand Forks.
Donating money, shopping or donating at the ReStore, and joining a build are the main ways to help.
Homes sold with a 0% mortgage and no down payment.
A repair program for existing homeowners.
A Grand Forks store selling donated home goods.
Future homeowners build alongside volunteers.
Grand Forks County, ND and Polk County, MN.
Donated goods accepted at the ReStore.
Sources: Red River Valley Habitat for Humanity (rrvhabitat.com) homeownership and repair pages, plus InForum reporting and the Habitat International affiliate listing. A specific sweat-equity hour count is not published on the pages reviewed. Retrieved June 2026. We are not affiliated with Red River Valley Habitat for Humanity and receive no compensation for this listing. Spotted an error? [email protected]
More Habitat affiliates and donation guides