Aging in Place

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Aging in Place - Pilot Program

At Habitat for Humanity South Central Minnesota, we believe that everyone deserves the opportunity to age with dignity in their own home and community.

Through the Aging in Place program, Habitat for Humanity and partners will provide products and services that foster safe, livable homes and communities to improve the quality of life for older adults.

Aging in Place is a growing movement to partner with older adults to help them age safely in their homes and where they can live independently and receive services from organizations providing support and health care services.  Community engagement is a foundation of Habitat’s success.  Our program is a part of a larger initiative supported by Habitat for Humanity, International that assists affiliates in building partnerships with older adults.

The U.S. Centers for Disease Control and Prevention defines aging in place as “the ability to live in one’s own home and community safely, independently, and comfortably, regardless of age, income or ability level”.  The success of AIP is dependent on partnerships with a diverse group of individuals, businesses, faith-based organizations, and community-based organizations with a shared vision to create the investments in the program.

Where we serve:

Applicants must be homeowners meeting the following criteria:

  1. Establish the need for repair/modification
    1. Must be 65 or older
    2. Modification is within program scope – not available through another provider due to cost burden
    3. Must own their home and current property insurance and taxes
  2. Possess the ability to pay
    1. Household income is between 30-80% of Area Median Income, AMI
    2. Repayment for repairs is based on a sliding fee scale
    3. Repayment not to exceed 30% of household income
    4. Debt-to -income ratio not to exceed 41%
  3. Willingness to partner
    1. Be present onsite during the project (unless special circumstances)
    2. Lived in the property for at least one year
    3. Be a partner with other organizations as deemed appropriate or necessary

What we do:

An inspection and assessment will be completed by the HFHSCMN Construction Manager.  The proposed project may not guarantee the final project based on cost and affordability.  HFHSCMN will refer additional needs to the appropriate partner organization for rehab program funding or resources.

Hand railings – interior and exterior Furnace and AC
Widening of doorways Water heater
Door and knob replacements and locks Roof and wall repair
Grab bars Plumbing/electrical for safety and relocation
Roll under accessible sinks Window replacement/repair/locks
ADA toilets Weather sealing
Flooring- tripping hazards and stair treads Door replacement
Smoke and C02 detectors Interior/exterior paint/maintenance
Lighting- hallways, timers, exterior
Tub-shower modifications and faucets
Kitchen cabinet accessibility and pulls
Washer/Dryer moves to main level


  1. Homeowner fills out application online or prints and mails it to our office.
  2. HFHSCMN and other partner agency interview and conduct a needs assessment
  3. Application review and, if exceeding the $5,500 maximum for special circumstances, presentation to the Family Services Committee and Construction Committee for approval
  4. Completion of documents (Partnership Agreement, insurance, mortgage, taxes, medical expenses, signed promissory note) with the assistance of HFHSCMN program staff
  5. Participation with HFHSCMN and completion of a survey following project completion


  1. Proof of ownership
  2. Proof of current insurance and tax-statements
  3. Proof of additional receipts (medical if requested)


<30% Material Cost & sub-contractor costs 0% over 6 years


31% - 50% Materials, sub-contractor, and 10% admin 0% over 6 years
51% - 65% All costs including construction management 0% over 5 years
66% - 80% All costs and 10% admin fee.  May add the 10% to the $5,000 max loan 0% over 3 years


Repayment terms are based on affordability of the homeowner.  A Memorandum of Understanding will be signed prior to project start which allows the work to be completed and permission for release of information with partner organizations.

If you are interested in applying for our Aging in Place pilot program and you believe you qualify, we encourage you to fill out the application request form below. If you would like assistance completing this form, please contact us 507-388-2081.