Minnesota Housing Rehabilitation Loan Program

Minnesota Housing Finance Agency

Available Home Repair

About This Program

Provides deferred, low-interest loans to income-qualified homeowners for major home repairs and improvements. Loan has no monthly payment; principal and interest are due when the home is sold, title is transferred, or ceases to be owner-occupied. Available through local administrators.

Deferred loan with no monthly payment until home is sold or transferred

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

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

Key Details

  • Up to $50,000 deferred loan for major repairs
  • No monthly payment required
  • Due when home is sold or transferred
  • Income at or below area median income
  • Must be owner-occupied primary residence

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 710-8871

A grant-savvy contractor in St. Peter, 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 St. Peter early keeps your application moving.

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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: Administered locally, contact for availability

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