Find grants, rebates, forgivable loans, and free programs for St. Paul, MN, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Paul, MN, with individual awards up to $126,526. 9 programs target seniors, 4 serve veterans, and 13 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 21 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | Refunded to you after purchase | Energy-efficiency upgrades |
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St. Paul's Healthy Homes program provides grants up to $50,000 for pre-weatherization health-and-safety repairs and weat...
Power of Home provides grants up to $50,000 to replace gas appliances with high-efficiency electric alternatives in sing...
Saint Paul's CDBG program funds housing rehabilitation activities through community organizations and direct city progra...
Ramsey County's Critical Repair Grant provides up to $10,000 to address health, safety, and code-related repairs for low...
Ramsey County's Residential Rehab Deferred Loan provides up to $20,000 as a 0% interest deferred loan for health, safety...
Minnesota Housing's Fix Up Fund offers below-market interest rate loans ($2,000-$75,000) for virtually any permanent hom...
Minnesota's Weatherization Assistance Program provides free energy efficiency improvements to low-income households. In ...
Xcel Energy offers residential rebates for high-efficiency heating, cooling, insulation, and water heating upgrades for ...
CenterPoint Energy offers rebates for residential energy efficiency improvements to Minnesota natural gas customers. Key...
Twin Cities Habitat for Humanity's A Brush with Kindness program preserves homeownership by pairing staff and volunteers...
Minnesota's Homestead Credit Refund program provides a property tax refund to owner-occupants whose property taxes excee...
Minnesota's Senior Property Tax Deferral Program allows homeowners age 65 or older with household income at or below $96...
Minnesota provides a market value exclusion for veterans with service-connected disabilities: 100% disabled veterans (or...
The VA's Specially Adapted Housing (SAH) grant helps veterans with severe service-connected mobility disabilities adapt ...
Minnesota's Energy Assistance Program (EAP), funded by federal LIHEAP dollars, provides direct financial assistance to l...
VITA provides free federal and state tax preparation and e-filing for households earning $67,000 or less, people with di...
The FHA 203(k) loan allows homebuyers and existing owners to finance purchase (or refinance) plus renovation costs in a ...
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...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
USDA's Section 504 program provides grants up to $10,000 for homeowners age 62+ with very low incomes in rural areas to ...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Minnesota Housing's Start Up program offers Deferred Payment Loan Plus (DPL+) of up to $18,000 for down payment and clos...
Ramsey County Workforce Solutions administers WIOA-funded services through CareerForce locations in St. Paul. Individual...
The SBA Minnesota District Office in Minneapolis serves small businesses in St. Paul and across Minnesota with SBA 7(a) ...
Saint Paul's Department of Planning & Economic Development offers small business support through the Neighborhood STAR p...
St. Paul homeowners served by Xcel Energy can combine the 30% federal Solar ITC with Xcel's Solar*Rewards program, payin...
Minnesota's Child Care Assistance Program (CCAP) helps low-income families pay for child care so parents can work, atten...
Community Action Partnership of Ramsey & Washington Counties (CAPRW) operates Head Start and Early Head Start programs i...
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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31 programs are currently listed for St. Paul, including City of St. Paul Healthy Homes Program, City of St. Paul Power of Home Program, City of Saint Paul CDBG Housing Rehabilitation.
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. Paul, 21 programs do not require repayment, 3 are forgivable loans, and 2 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.