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Minnesota Urban and Rural Homesteading (MURL) Program

About the 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.

The MURL single-family homes will be sold on a zero-interest contract for deed with no down payment requirement. To be a qualified homebuyer you must have an income to be able to pay off the contract for deed in a 30-year time span.


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.

How to Apply

For more information about the MURL Program, please contact Janelle Bennett.


MURL Program Application
Click here to download the PDF.

More Information

Janelle Bennett, Housing Coordinator


Phone: 320-304-3458

Toll Free Phone: 800-492-4805

Fax Number: 320-335-2463

Mailing Address:

Attn: Janelle Bennett
1910 Aga Drive - Suite 206
Alexandria, MN 56308

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