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Arrowhead Economic Opportunity Agency (AEOA)

Home Ownership Assistance

Virginia Office

702 S 3rd Ave, Virginia, MN, 55792

(218) 735-6895


Service Details


Home ownership program that offers financial assistance to make home purchases more affordable for those that meet eligibility requirements

Additional Information

The Homeownership Program is designed to promote and encourage homeownership by providing down payment and closing cost loans to income-eligible, qualified buyers.

* Provides Homestretch Workshops teach a buyer the steps involved in purchasing a home.
* Provides one-on-one counseling focusing on affordability, types of mortgages, budgeting and savings. This service is available to anyone
* Down payment and closing cost assistance for qualified buyers


  • Area Served by County
    • Cook County 
    • Lake County 
    • St. Louis County 
  • Organization Type
    • Community Action Partnership 
  • Specialization
    • Family 
    • People with low income 


Serves Cook, Lake and St. Louis counties, excluding the City of Duluth.

Down Payment and Closing Cost Assistance program:
* Potential buyer must complete the Homestretch Workshop
* Complete counseling before a purchase agreement is signed
* Home must pass inspection
* First time homebuyer or not owned a home in the last 3 years
* Potential buyer must qualify for a mortgage. The Counselor will assist homebuyers in shopping for a mortgage.
* Pay a minimum of $1000 towards the purchase price
* Family income must be at or below 80% of the area median income in St. Louis, Cook, and Lake County

Application Instructions

Call for more information at (218) 735-6895

Business Hours

8:00am - 4:30pm, Monday - Friday

Area Served

St. Louis, Lake, and Cook counties
Service delivery for some programs has extended to the four neighboring counties of Aitkin, Carlton, Itasca, and Koochiching

Some services available at this location are provided only in certain limited geographic areas. Please see the Eligibility requirements for each service to determine if that service is available in your location.
Groceries to Go is only available in St. Louis County


Phone Numbers

Type Number Hours
Main (218) 749-2912
Toll Free (800) 662-5711

Last Update


Other Locations

This provider does not offer this service at other locations.

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