Minnesota Housing Rehabilitation Loan

Minnesota Housing Finance Agency

Available Home Repair

About This Program

Deferred payment loan for major home improvements and repairs for owner-occupied homes. Zero interest, repayment deferred until sale, transfer, or refinance. Must be used with a participating Minnesota lender.

Deferred loan amount based on project scope; zero interest, no monthly payments

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Deferred loan up to $50,000 for home repairs
  • Zero interest, no monthly payments
  • Repayment when you sell or refinance
  • Must work with participating Minnesota lender
  • Income limits apply based on household size

How to Apply

Get free help applying Visit Official Program Page Track this program

(651) 296-7608

A grant-savvy contractor in Cloquet, MN can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Cloquet early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing, subject to lender participation

Questions about this program?

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