Minnesota Housing Rehabilitation Loan Program

Minnesota Housing Finance Agency

Available Home Repair

About This Program

Minnesota Housing offers low-interest loans up to $35,000 (currently around 3-4% APR) for home repairs to Richfield homeowners. Loans have up to 15-year terms and can be combined with other assistance programs.

Loan estimate based on typical financing term and current interest rates

Official source site checked live on 2026-06-17.

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

Key Details

  • Low-interest loan up to $35,000 for repairs
  • Income at or below 115% AMI required
  • Must be owner-occupied in Richfield
  • Up to 15-year repayment terms
  • Can be combined with other programs

How to Apply

Get free help applying Visit Official Program Page Track this program

(651) 296-7608

A grant-savvy contractor in Richfield, 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 Richfield 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 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?

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