Find grants, rebates, forgivable loans, and free programs for St. Cloud, MN, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Cloud, MN, with individual awards up to $126,526. 8 programs target seniors, 2 serve veterans, and 16 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | Refunded to you after purchase | Energy-efficiency upgrades |
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HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Low-interest loan program for Minnesota homeowners to finance major home improvements and repairs. Available through par...
Free weatherization services for income-eligible Minnesota households to reduce energy costs and improve home comfort. S...
State-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under age 6 reside....
Provides forgivable loans to low- and moderate-income St. Cloud homeowners for major home repairs and code compliance wo...
Emergency grant for St. Cloud homeowners to address urgent health and safety hazards. Covers repairs that pose imminent ...
Provides grants for accessibility modifications to St. Cloud homes occupied by persons with disabilities. Covers ramps, ...
Low-interest loan program to help St. Cloud homeowners replace failing water or sewer lateral lines from the home to the...
Rebates for Xcel Energy customers in St. Cloud who install qualifying air-source or ground-source heat pumps. Rebate amo...
Rebates for Xcel Energy customers who complete a Home Energy Squad visit and install qualifying insulation and air seali...
Rebates for Xcel Energy customers who install qualifying high-efficiency electric water heaters or heat pump water heate...
Upfront incentive payment for Xcel Energy customers who install qualifying solar photovoltaic systems. Incentive rate va...
Free energy efficiency upgrades for income-qualified Xcel Energy customers in St. Cloud. Services include insulation, ai...
Rebates for CenterPoint Energy natural gas customers who install high-efficiency ENERGY STAR certified furnaces. Rebate ...
Rebates for CenterPoint Energy natural gas customers who purchase and install qualifying smart thermostats. Eligible mod...
Federal program providing loans and grants to very-low-income homeowners in eligible rural areas near St. Cloud to repai...
Grants for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet their a...
Grants for eligible veterans with certain service-connected disabilities to adapt a home to meet their needs. Available ...
Minnesota property tax refund for homeowners and renters whose property taxes or rent constitutes a large percentage of ...
Low-interest loans for Minnesota homeowners to repair or replace failing septic systems. Available statewide through par...
Allows Minnesota homeowners age 65 or older with household income below $96,000 to defer payment of property taxes. The ...
Emergency furnace repair and replacement services for income-eligible households in Stearns County and St. Cloud area. P...
Provides deferred loans to low-income homeowners for major home repairs and rehabilitation. Administered through local p...
Federal HOME Investment Partnerships Program funds administered by Stearns County for eligible homeowner rehabilitation ...
State disaster recovery assistance activated following presidentially-declared disasters in Minnesota. Programs may incl...
Free or low-cost homebuyer education courses for Minnesota residents preparing to purchase a home. Covers budgeting, cre...
Note: St. Cloud is located in Stearns County, outside the seven-county Minneapolis-St. Paul metropolitan area served by ...
Property Assessed Clean Energy (PACE) financing allows Minnesota property owners to finance renewable energy and energy ...
Federal and state historic preservation tax credits for rehabilitation of certified historic buildings. Property must be...
Helps income-eligible Minnesota households pay heating costs and provides emergency crisis assistance for shut-offs or f...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
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33 programs are currently listed for St. Cloud, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In St. Cloud, 19 programs do not require repayment, 3 are forgivable loans, and 5 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.