Minnesota Housing Rehabilitation Loan Program

Minnesota Housing Finance Agency

Available Home Repair

About This Program

Deferred, zero-interest loan for low-income Minnesota homeowners to make critical home repairs. Loan is deferred (no monthly payments) and due when property is sold, refinanced, or no longer owner-occupied.

Deferred loan with zero interest, no monthly payments required

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

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

Key Details

  • Deferred, zero-interest loan up to $35,000
  • Income at or below 80% AMI required
  • No monthly payments during occupancy
  • Must be owner-occupied Minnesota home
  • For critical repairs and systems

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

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

The Minnesota Housing Rehabilitation Loan and Emergency and Accessibility Loan programs are zero percent interest deferred loans for low-income homeowners to fix things that affect the safety, habitability, energy efficiency, or accessibility of the home, including emergency repairs. You apply through a Minnesota Housing participating lender, who works with you from pre-qualification to closing.

Steps to apply

  1. Confirm you own and occupy the Minnesota home, your income is within the low-income limit, and your assets are under the program limit.
  2. Use the Minnesota Housing lender directory on the Improve Your Home page to find a participating lender.
  3. Contact the lender to apply (note if it is an emergency or accessibility need, which has its own loan track).
  4. Work with the lender through underwriting and closing; the deferred loan funds the repairs.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • Income documentation (the program is for low-income homeowners).
  • A description and estimates for the repairs (or the emergency condition).
  • A government-issued photo ID.
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: Applications accepted year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Cottage Grove, MN contractors

Find More Programs in Cottage Grove, MN

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs