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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)

The Rehab Support Program in partnership with the City of Minneapolis and Minnesota Housing offers 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 (link to map). The goal of the Rehab Support Program is to encourage households to complete improvements to their homes that will increase the home’s value while addressing health, safety, and housing code violations.

The Rehab Support Program is currently closed for new applications. If you would like to be notified when applications become available, please register your request here. RSP Notification Request

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, radon and lead remediation. The program offers a $27,000 deferred loan that is forgiven after 15 years.

The City of Minneapolis waiting list for this program is currently closed but the program is still available statewide. For assistance in locating a program lender, please contact Minnesota Housing Finance Agency at (651) 296-7608.

For individuals who have already registered with the city for program participation, staff will contact you as we progress through the list.

If you would like to be notified when applications become available, please register your request here. RLP Notification Request

Emergency Loan Program

Emergency loans are funding of last resort for when no other financing options are available.

Eligible improvements include but not limited to repairs to a property damaged because of events beyond the Borrower’s control or as necessitated by a systems or structural failure such as:

Applicants are first screened for basic program eligibility. If eligible, an application for the appropriate program will be provided.

Funding options are:

Emergency Home Improvement Program (HIP) - a deferred loan, requiring no payments no interest with the entire loan due in 30 years, household income must be less than the amount stated in the income chart below for the HIP Program.

Minnesota Housing Emergency Loan Program (ELP) - a forgivable loan requiring no payments no interest that is forgiven with no obligation to repay after 15 years.

To submit your emergency for consideration, please see contact information below and provided:

Other Community Based Home Improvement Resources (PDF)

Home Improvement Program (HIP) 

HIP program provides a 30-year deferred loan up to $25,000 and a $10,000 grant to address 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 waiting list for the HIP program is currently closed.

For individuals who have already registered for program participation, staff will contact you as we progress through the list.

If you would like to be notified when applications become available, please register your request here. HIP Notification Request

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 submit an application or request, you can contact us at:

Minneapolis CPED
Attention: Owner Occupied Residential Lending Team
105 Fifth Avenue South Suite 200, Minneapolis MN 55401
Phone: (612) 673-5174
FAX: (612) 424-8281
Email: [email protected]

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Last updated Dec 30, 2019

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