Ramsey County Residential Rehab Deferred Loan

About This Program

Ramsey County's Residential Rehab Deferred Loan provides up to $20,000 as a 0% interest deferred loan for health, safety, and code-related repairs to single-family owner-occupied homes in suburban Ramsey County. The loan decreases at 10% per year after the first year and is fully forgiven after 10 years with no monthly payments. Excludes the City of Saint Paul.

No interest, no monthly payments. Loan decreases by 10%/year after year one — fully forgiven after 10 years if homeowner remains in residence.

Key Details

• Up to $20,000 zero-interest deferred loan for home repairs
• No monthly payments; forgiven at 10% per year after year one
• Available in suburban Ramsey County — excludes St. Paul city limits
• Income limit: 80% AMI; no bankruptcies/foreclosures within 2 years
• Contact Slipstream: 800-525-6214 or RCLoan@slipstreaminc.org

How to Apply

Deadline: Rolling