Minnesota Housing

Minnesota Housing offers a variety of loan programs to help make necessary repairs or updates to your home. They will work with local participating lenders who can answer questions about program eligibility and help you learn about the features of the program. 

Finance Authority 

The Minnesota Housing Finance Agency plays a crucial role in advancing affordable housing opportunities for low- and moderate- income individuals. Established in 1971, it focuses on providing support to homebuyers and renters in Minnesota. 

Rehab Loan Program - RLP

The Rehabilitation Loan Program assists low-income homeowners in financing home improvements that directly affect the safety, habitability, energy efficiency, or accessibility of their home. 

Emergency Loan Program 

The Emergency & Accessibility Loan Program is available for home improvements that address emergency conditions of the home or accessibility needs for a household resident with a disability.

Program Features: 

• Maximum Loan Amount is $37,500
• Maximum loan term is 15 years for properties taxed as real property and 10 years for mobile/ manufactured homes taxed as personal property located in a mobile home park
• Loans are forgiven if you do not sell, transfer title, or cease to occupy the property during the loan term 
• Various property types are eligible including, but not limited too, single family homes, duplexes, a condominium unit, and manufactured housing taxes as real or personal property. 

Income Limits