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West Central Minnesota Communities Action, Inc.

Minnesota Urban and Rural Homesteading (MURL)

411 Industrial Park Blvd, Elbow Lake, MN, 56531

Distance: 1125 Miles

(218) 685-7003


Service Details


Minnesota Urban and Rural Homestead Program (MURL) is a first-time homebuyer program for low- to moderate-income families who are unable to purchase a home through conventional means.

Eligible families must be considered "at risk" for home ownership. Barriers such as past credit problems, lack of a down payment, and low wages are all factors that limit a household's ability to own a home and would be considered "risk factors" for home ownership.


  • Licenses and Certifications
    • Community Action Partnership 
  • Specialization
    • Family 
    • People with low income 


Eligible homebuyers must meet income guidelines, be first-time homebuyers (a first-time homebuyer includes individuals who owned a home with a spouse or significant other and are separated or divorced, individuals who have not owned a home in the last three years, and individuals who have never owned a home), and be unable to purchase a home through traditional financing. Buyers must pay 25% of their gross monthly income as the monthly house payment. Hazard insurance and property taxes are escrowed and are included in the 25% payment.

Application Instructions

Download, print and mail application from agency website or call with questions

Business Hours

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

Area Served

Douglas, Grant, Pope, Stevens, and Traverse counties


Phone Numbers

Type Number Hours
Main (218) 685-4486
FAX - Energy Assistance (218) 685-6742
FAX - General (218) 685-6741
Toll Free (800) 492-4805

Last Update


Other Locations

This provider does not offer this service at other locations.

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