Minnesota Housing Fix-Up Fund

Minnesota Housing Finance Agency

Available Home Repair

About This Program

Low-interest home improvement loan for Minnesota homeowners to make repairs, improvements, or accessibility modifications. Available through participating lenders with flexible underwriting. Can be combined with refinancing or as a standalone loan.

Interest rate and terms vary by lender; typical rate 4–7% with 5–15 year term

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

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

Key Details

  • Loan up to $50,000 for home improvements
  • Low interest rates through participating lenders
  • Flexible credit and income requirements
  • Can be standalone or combined with refinance
  • Available statewide including Cloquet

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

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

Your application paperwork

The Fix Up loan is a fixed-rate home improvement loan from Minnesota Housing for owner-occupants. You do not apply to the state directly; you work with an approved participating lender, who handles everything from pre-qualification to closing. Secured loans run from 2,000 dollars to 75,000 dollars with terms up to 20 years and can pay for repairs, energy improvements, and accessibility work; income limits apply to most loans but are waived for accessibility.

Steps to apply

  1. Confirm you qualify: you own and live in a Minnesota home and your household income is within the program limit (the income limit is waived for accessibility improvements).
  2. Plan your project and get itemized contractor bids or materials estimates.
  3. Use the Minnesota Housing lender directory on the Improve Your Home page to find an approved participating lender near you.
  4. Contact the lender to get pre-qualified and complete the lender's loan application.
  5. Work with the lender through underwriting and closing, then receive the funds to pay for the improvements.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home (a deed, mortgage statement, or property tax record).
  • A government-issued photo ID for each borrower.
  • Income documentation (recent pay stubs, W-2 forms, or tax returns) to verify you are within the income limit.
  • Itemized contractor bids or materials estimates for the planned improvements.
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

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