Community Planning & Economic Development

Phone: (612) 673-5095
Contact Us

Minneapolis Home Improvement Programs

The following City of Minneapolis owner occupied home improvement loan programs are available.

Owner-Occupied Home Improvement Programs Image

Rehab Support Program (RSP)

Rehab Support Program (RSP) (PDF)

The Rehab Support Program in partnership with the City of Minneapolis and Minnesota Housing is offering the Fix Up Loan at 2% interest) with a maximum loan of $30,000 (2.144% APR based on $30,000 loan) to 43 select neighborhoods. Household income must be less than $108,500. The goal of the Rehab Support Program is to encourage households to complete improvements to their homes that increase the home’s value while addressing health, safety, and housing code violations. Please note, homeowner labor (sweat equity) projects are not eligible for financing.

Fix Up Loan Program

Fix Up Loan Application (PDF)

Homeowners can choose from flexible affordable financing options to finance home improvements that they want. Borrower(s) income must be less than $141,000.

City of Minneapolis is limiting it's offering of Minnesota Housing's Fix Up Loan to a maximum loan of $30,000 and no homeowner labor (sweat equity) projects. This loan product is available through other lenders utilizing the program's maximum loan amount of $50,000. Maximum amount of outstanding Fix Up Loans is $50,000.

Rehabilitation Loan Program

Deferred loan financing is available to eligible low-income homeowners who are unable to secure home improvement financing in the private sector. Funds may be used for basic home improvements that directly affect the home’s safety, habitability or energy efficiency by addressing health & safety repairs, housing code violations and lead remediation. The program offers a $27,000 deferred loan that is forgiven after 15 years. 

Presently there is a waiting list to receive an application. Estimated wait time is one year. Sign-up for the waitlist.

Emergency Loan Program

Emergency Loan Program Application (PDF)

The Emergency and Accessibility Loan Program (ELP) assists homeowners needing emergency home improvement financing to address repairs or essential accessibility improvements. Program provides forgivable deferred loan up to $15,000. Income limits are listed below.

Home Improvement Program (HIP)

HIP serves low income residents who own and occupy their residence. The program offers a $25,000 deferred loan and $10,000 grant to address health & safety repairs, housing code violations and lead remediation costs. Income limits are listed below. Presently there is a waiting list to receive an application. Estimated wait time is one year. Sign up for the waitlist.

Income Limits

Home Improvement Program (HIP) Income Limits

Household income** is defined as gross income, before any deductions, from all members of the household over the age of 18 from all sources.

Rehabilitation Loan Program (RLP) and Emergency Loan Program (ELP) income limits are posted on Minnesota Housing's website

Other Community Based Home Improvement Resources

Finding home improvement resources that meet your needs depends on many factors. When searching for financing options its best to be knowledgeable of your financial profile and nature of the repair/improvement being requested.

Factors to consider are:

Listed below are links to agencies that may have additional programs. Click on the agency name to be redirected to their web site:


For additional home improvement programs, please see the Home Rehab and Repair Matrix as provided by the Homeownership Center.

More Information

For more information or to be placed on the wait list, please call (612) 673-5174 or email the Residential Lending Team

Equal Housing Opportunity logo

Last updated Sep 1, 2019



Contact us

Email updates

Find a service

About this site

For employees

For reasonable accommodations or alternative formats, contact 311.
People who are deaf or hard of hearing can use a relay service to call 311 at 612-673-3000.
TTY users can call 612-673-2157 or 612-673-2626.

Para asistencia 612-673-2700, Yog xav tau kev pab, hu 612-637-2800, Hadii aad Caawimaad u baahantahay 612-673-3500. 

CPED  ©1997-2019 City of Minneapolis, MN


311 call center

311 TTY relay service

City of Minneapolis Facebook City of Minneapolis Twitter City of Minneapolis YouTube ChaNNEL Minneapolis 311 Watch Minneapolis City Council TV City of Minneapolis LinkedIn

Minneapolis, City of Lakes logo