Home repair grants & loans in the Twin Cities
Rather scroll? Minnesota, your county and your city run grants, forgivable loans and low-rate loans for home and building repairs. Start with statewide, then your county, then your city. You may qualify for more than one. Checked September 28, 2026, official links only.
Statewide (all of Minnesota)
Minnesota Housing Rehabilitation & Emergency Loans (RLP/ELP)
Deferred, 0% loans for low-income homeowners, up to $37,500, for safety, livability, energy or accessibility repairs. Forgiven if you don't sell, transfer or move out during the loan term. Apply through your county or a participating lender.
Official page →Minnesota Housing Fix Up Loan
Home improvement loans for owner-occupants. Twin Cities metro income limit: $196,600 (loans locked on or after July 1, 2026).
Official page →Weatherization Assistance Program
Free energy upgrades (insulation, air sealing, heating safety) for households at or below 200% of federal poverty guidelines. Priority for seniors, people with disabilities and families with children.
Official page →Rebuilding Together Minnesota
No-cost critical repairs, roofing, safety and ramps for low-income homeowners. The 2026 application window opens October 1 and closes December 31.
Official page →Hennepin County
Hennepin County home repair loans
0% interest, no monthly payments, up to $30,000. Can be forgiven if you keep living in and owning the home. Income limits apply.
Official page →Hennepin County lead paint removal grant
Free lead test plus up to $15,000 of lead repair work (often windows) for homes built before 1978 where a child under 6 lives or visits. Income limits apply.
Official page →CAP-HC Energy-Related Repair
Repair or replacement of a broken heating system for income-eligible homeowners in Hennepin County.
Official page →Ramsey County
Critical Repair Grant & Residential Rehab Deferred Loan
Two county programs for low-to-moderate income homeowners: health and safety repairs, code issues and accessibility. Cosmetic work isn't covered.
Official page →Ramsey County lead grant (Lead at Home)
Replaces lead-painted wood windows and fixes other lead hazards in homes with a child under 6. The grant covers 80% of the project; you pay 20%. Income below 80% of Twin Cities median.
Official page →Dakota County
Dakota County CDA Home Improvement Loan
Interest-free, no monthly payments, $15,000 to $35,000, repaid when you sell or move. Commonly used for windows, siding, roofs and furnaces. Low- and moderate-income homeowners.
Official page →Anoka County
Anoka County Home Improvement Loans
Deferred-payment loans for income-eligible homeowners to fix health and safety issues, emergency conditions or accessibility. First come, first served wait list. No cosmetic updates.
Official page →Washington County
Washington County CDA Home Improvement Loans
Low-cost loans for critical repairs on single-family homes (a rundown roof, plumbing or electrical, exterior doors, code violations, accessibility). Income up to 80% or 115% of area median, depending on the program.
Official page →Carver & Scott Counties
Carver County CDA rehab loans (RLP/ELP)
Deferred loans for income-eligible homeowners to address health and safety concerns. A lien is placed on the home and the loan is forgiven over time.
Official page →Scott County CDA: Shakopee home improvement loan
0% loans for low- and moderate-income Shakopee homeowners, including roof and furnace replacement. Scott County CDA refers other residents to partner programs.
Official page →City of Minneapolis
Minneapolis home improvement financing
Loans from $2,000 to $75,000 (some with no monthly payments) for owner-occupied 1–4 unit homes. Income limits apply.
Official page →Minneapolis Healthy Homes renovation grants
Grants to create lead-safe, healthy homes. Some grants have income requirements.
Official page →Truth in Sale of Housing (TISH)
Selling? Single-family homes, duplexes and townhouses need a TISH evaluation by a city-licensed evaluator, and the full report must exist before the home can be shown.
Official page →City of Saint Paul
Saint Paul Healthy Homes grant
Up to $50,000 for approved measures for qualifying homeowners. The city pays contractors directly and you don't repay it.
Official page →Saint Paul Citywide Home Improvement Loan
Below-market-rate loans for owner-occupied homes, run with NeighborWorks Home Partners.
Official page →Saint Paul Citywide Deferred Emergency Loan
For emergency repairs. Forgiven after 30 years unless the owner sells or moves.
Official page →Truth-in-Sale of Housing (TISH)
Selling? Single-family, duplex, condo and townhome sales need a TISH evaluation before the property is marketed.
Official page →Suburban city programs
Hopkins housing rehab deferred loans
Forgiven over 15 years. Repay any remaining balance only if you sell before then.
Official page →City loans through CEE (Edina, Minnetonka, Roseville, Anoka and more)
Many cities offer special home improvement loans, deferred loans and grants through the Center for Energy and Environment. Check the list for your city.
Official page →Point-of-sale rules: Bloomington, Richfield, South St. Paul, Golden Valley
These cities require a city inspection or report before a home is sold or advertised (Golden Valley: sewer inspection). Check your city before listing.
Official page →Commercial & multi-unit buildings
MinnPACE (commercial PACE financing)
Up to 100% financing for energy and renewable improvements, repaid through a property assessment. For commercial, industrial, multi-unit, nonprofit, faith-based and agricultural properties. Run by the Saint Paul Port Authority.
Official page →Minneapolis Great Streets facade matching grants
Matching grants of $5,000 to $10,000 per storefront, depending on the area, for repairs and updates to the front of a building in eligible business districts.
Official page →Saint Paul Neighborhood STAR grants
Grants for physical (capital) improvement projects of $5,000 or more in Saint Paul, for businesses, nonprofits and other organizations. Homeowners aren't eligible.
Official page →Saint Paul Business Assistance Fund
Financing for new and existing businesses that need capital to improve or grow.
Official page →Every program above was checked on its official page on September 28, 2026. Programs change, fill up and close, and each one decides who qualifies. Repair King doesn't run or approve any of them.
How do I not lose out on the money?
Apply before work starts
Most of these programs have to approve the project first. Don't sign a contract or start work until you know the program's rules.
Have your numbers ready
Income, household size, proof you own and live in the home, and your property tax and mortgage status.
Photos + a written estimate help
Programs want to see what's wrong and what it costs. We can inspect, photograph the problem and give you a written estimate for your application.
Need proof of what's wrong and what it costs?
We inspect, photograph the problem and give you a written estimate you can include with your application.
- Dated photos of every problem
- Written estimate
- Homes, rentals and commercial buildings
- Licensed MN BC695228 and insured
Get photos + a written estimate
For your program application or just to know what it costs. Free inspection, photos of everything we find.
Quick answers
Are there grants to fix my house in Minnesota?
Yes. Minnesota Housing, most metro counties and cities like Minneapolis and Saint Paul offer grants, forgivable loans and low-rate loans for home repairs. Most have income limits and cover health, safety, energy and code repairs rather than cosmetic work.
What is a forgivable loan?
It's a loan with no monthly payments that is forgiven over time if you keep owning and living in the home. If you sell or move before the term ends, you usually repay some or all of it. Each program sets its own term.
Can these programs pay for a new roof?
Some can. Several county and city programs list roofs as an eligible repair when the roof is a safety or livability problem. Each program decides what qualifies, so check with the program first.
Are there programs for commercial buildings?
Yes. MinnPACE finances energy improvements on commercial, industrial, multi-unit and nonprofit buildings, and Minneapolis and Saint Paul have facade and capital improvement grants in certain areas.
Does Repair King run these programs?
No. Each program is run by the agency linked on this page, and it decides who qualifies. We list them so you know where to look, and we can inspect and give you a written estimate for your application.
How current is this list?
We checked every program on its official page on September 28, 2026. Programs change and money runs out, so confirm details with the program before you count on it.
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