Minnesota Housing Rehabilitation Loan Program
Minnesota Housing Finance Agency
About This Program
The Grant Map catalogs Minnesota Housing Rehabilitation Loan Program in its Brainerd, MN research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Provides forgivable loans to low-income homeowners for critical home repairs including structural, mechanical, and health/safety improvements. Administered locally through community action agencies and housing authorities.
Forgivable loan over 10-15 years, no repayment if compliance maintained
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Brainerd, MN, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- Forgivable loan for critical home repairs
- Income at or below 80% AMI required
- Forgiven over 10-15 years of residency
- Administered by local agencies
- Covers structural, mechanical, health/safety issues
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Brainerd.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
The Minnesota Housing Rehabilitation Loan and Emergency and Accessibility Loan programs are zero percent interest deferred loans for low-income homeowners to fix things that affect the safety, habitability, energy efficiency, or accessibility of the home, including emergency repairs. You apply through a Minnesota Housing participating lender, who works with you from pre-qualification to closing.
Steps to apply
- Confirm you own and occupy the Minnesota home, your income is within the low-income limit, and your assets are under the program limit.
- Use the Minnesota Housing lender directory on the Improve Your Home page to find a participating lender.
- Contact the lender to apply (note if it is an emergency or accessibility need, which has its own loan track).
- Work with the lender through underwriting and closing; the deferred loan funds the repairs.
Documents you will likely need
- Proof you own and occupy the home.
- Income documentation (the program is for low-income homeowners).
- A description and estimates for the repairs (or the emergency condition).
- A government-issued photo ID.
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Administered by local agencies, check availability
Questions about this program?
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Frequently asked questions
What amount is listed for Minnesota Housing Rehabilitation Loan Program in Brainerd, MN?
The Grant Map record states: Up to $35,000 forgivable loan. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for Minnesota Housing Rehabilitation Loan Program in Brainerd?
The directory record carries audience tags for homeowners. It also carries a low-income tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for Minnesota Housing Rehabilitation Loan Program in Brainerd, MN?
Confirm the application route directly with Minnesota Housing Finance Agency; use the cited source on this page as a starting point or call (800) 657-3769. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Brainerd, MN
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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