Minnesota Housing Fix-Up Fund

Minnesota Housing Finance Agency

Available Home Repair

About This Program

Provides low-interest home improvement loans for Minnesota homeowners who need to make repairs or improvements. Funds can be used for major systems, structural repairs, energy improvements, and accessibility modifications.

Low-interest loan amount based on project scope and household income

Verified against Minnesota Housing Finance Agency's official page on 2026-06-17.

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

Key Details

  • Low-interest loan up to $50,000
  • Available to all Minnesota homeowners
  • Moderate income limits apply
  • Use for repairs, improvements, accessibility
  • Applications accepted year-round

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 652-9747

A grant-savvy contractor in Cottage Grove, 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 Cottage Grove 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: Rolling applications year-round

Questions about this program?

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