Beltrami County HRA Loan Programs

 Down Payment Assistance

The Beltrami County HRA administers a down payment assistance program designed to promote home ownership. Through this program, the HRA offers loans that are deferred with no interest for five years. Repayment of the principal begins after 5 years at 4% interest.

Households must meet the income limit:

Household Size
Annual Income Limit


  • Households may not have more than $7,500 in liquid assets post-closing
  • Preference is given to purchases of 10 acres or less
  • Home must appraise for at least $60,000
  • Borrowers must take Homestretch or Framework

Please download the application below if you intend to purchase a home in Beltrami County

Beltrami County HRA Down Payment Assistance Application

 Beltrami County HRA In-House 

Rehabilitation Loan Program


The Beltrami County HRA has created an In-House Rehabilitation Loan Program to assist low to moderate income households make necessary repairs to their homes to keep their home safe, healthy and affordable.


Program Features:

  1. Higher loan-to-value ratio than traditional lending loan products
  2. 3% fixed interest rate for the life of the loan
  3. Maximum loan amount is $15,000
  4. Monthly payment amount will be based on household’s ability to pay, with a maximum debt-to-income  ratio of 40% (45% for well, septic or heating improvements). Minimum monthly payment allowed by program is $50 and maximum is $200, actual payment amount will vary depending on individual borrower circumstances.
  5. Maximum repayment term will be 20 years

To be eligible you must:

  • Own and occupy the home to be rehabilitated
  • Meet the income limits (household income limit may be waived if the loan proceeds will be used exclusively for accessibility improvements.
  • Various property types are eligible including single family homes, an individual unit in a Planned Unit Development (PUD), a townhome, a unit of a condominium, a manufactured home permanently affixed to a foundation and taxed as real property, and a duplex, triplex or fourplex.
  • This Program is only available in Beltrami County.

Loan Program, Education, First Time Home Owner Income Limits

Copyright © 2020 Headwaters Regional Development Commission. All rights reserved.