Create the user’s home directory after creating the user. More information: https://manned.org/mkhomedir_helper.
/etc/skel
with umask 022:sudo mkhomedir_helper username
/etc/skel
with all permissions for owner (0) and read permission for group (3):sudo mkhomedir_helper username 037
sudo mkhomedir_helper username umask path/to/skeleton_directory