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Rehabilitation Loan/Emergency and Accessibility Loan Programs

The Rehabilitation Loan/Emergency and Accessibility Loan Programs assist low income homeowners in financing basic home improvements that directly affect the safety, habitability, energy efficiency or accessibility of their homes.  The Emergency and Accessibility Loan Program is available for home improvements addressing emergency conditions of the home or accessibility needs for a disabled household resident, subject to prior approval by Minnesota Housing.

To be eligible, you must:

  • Meet program income limits
  • Not have assets exceeding $25,000
  • Own and occupy the property to be rehabilitated
  • Be current on property taxes and mortgages
  • Have homeowner insurance in effect at time of loan closing

Program Features

  • Maximum loan amount is $27,000
  • 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 to, single family homes, duplexes, a condominium unit, and manufactured housing taxed as real or personal property

Eligible Home Improvements

  • Basic improvements that directly affect the safety, livability, or energy efficiency of the home
  • Addressing lead paint hazards
  • Electrical wiring
  • Furnace/boiler repair or replacement
  • Plumbing repairs
  • Well and septic repair or replacement
  • Radon mitigation
  • Mold remediation
  • Windows
  • Siding
  • Roof repair or replacement