Housing Trust Fund2024-03-19T11:10:51+00:00

The primary purpose of the Crow Wing County Housing Trust Fund (HTF) Program is to assist in financing the production and preservation/stabilization of affordable and mixed-income housing projects in Crow Wing County. The HTF shall be a permanent source of funding and a continually renewable source of revenue to meet, in part, the housing needs of moderate-, low -, and very low-income households of the county. The HTF shall provide loans to property owners, homeowners, local units of government, for-profit housing developers, and non-profit housing developers for the acquisition, capital and soft costs necessary for the creation of new affordable and workforce housing (both rental and owner-occupied). Projects funded by the HTF shall be dispersed throughout the county as funds are available.

Managed by the Crow Wing County Housing & Redevelopment Authority (HRA), the HTF program administration is guided primarily by the following documents:

HTF Brochure

Owner-Occupied & Rental Rehabilitation Assistance Program

  • General repairs and improvements that
    increase the health, safety and energy
    efficiency of the home

Owner Occupied Rehabilitation Assistance << Brochure >>

Owner-Occupied Application Packet << HERE >>

Rental Rehabilitation Assistance << Brochure >>

Down Payment Assistance Program

  • Up to $20,000 for homebuyer assistance
  • Acts as a soft second loan at zero percent

Down Payment Assistance << Brochure >>

Workforce Housing Assistance Program

  • HRA matches employer contributions toward
    down payment or closing costs for the
    purchase of a home ($5,000 max)
  •  Low-interest, five-year installment loan

New Construction/Development Financing Program

  • Funding for pre-development costs, new
    construction, property acquisition, conversion
    of non-residential to residential use, conversion
    of rental units to relocation, and rehabilitation