Home Improvement Grants in St. Cloud.
Browse cataloged grants, rebates, loans, and other assistance records for St. Cloud, MN. Verify each program's current rules, service area, and status.
The St. Cloud, MN directory shows 32 cataloged resources. Of those, 27 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 27 records is $126,526, not an estimate of your award. Discovery tags include 8 senior-related records, 2 veteran-related records, and 12 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.
Record set last reviewed 2026-05-25. How we verify our data.
Types of help in this city
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| Funding type | Records | What to verify | Label scope |
|---|---|---|---|
| Grants | 18 | Repayment, tax, and possible lien terms | Directory classification; confirm official terms |
| Forgivable loans | 3 | Forgiveness schedule, residency, and lien terms | Directory classification; confirm official terms |
| Rebates | 5 | Eligible purchases, upfront payment, and claim timing | Directory classification; confirm official terms |
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FEMA Hazard Mitigation Grant Program (HMGP)
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
FEMA Increased Cost of Compliance (ICC) Coverage
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD Lead Hazard Control & Healthy Homes
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA / WIIN Act Lead Service Line Replacement
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Minnesota Housing Fix-Up Fund
Low-interest loan program for Minnesota homeowners to finance major home improvements and repairs. Available through par...
Minnesota Weatherization Assistance Program
Free weatherization services for income-eligible Minnesota households to reduce energy costs and improve home comfort. S...
Minnesota Lead Hazard Reduction Grant
State-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under age 6 reside....
St. Cloud Owner-Occupied Rehabilitation Program
Provides forgivable loans to low- and moderate-income St. Cloud homeowners for major home repairs and code compliance wo...
St. Cloud Emergency Home Repair Grant
Emergency grant for St. Cloud homeowners to address urgent health and safety hazards. Covers repairs that pose imminent ...
St. Cloud Home Accessibility Modification Program
Provides grants for accessibility modifications to St. Cloud homes occupied by persons with disabilities. Covers ramps, ...
St. Cloud Water and Sewer Lateral Replacement Program
Low-interest loan program to help St. Cloud homeowners replace failing water or sewer lateral lines from the home to the...
Xcel Energy Heat Pump Rebate
Rebates for Xcel Energy customers in St. Cloud who install qualifying air-source or ground-source heat pumps. Rebate amo...
Xcel Energy Home Insulation Rebate
Rebates for Xcel Energy customers who complete a Home Energy Squad visit and install qualifying insulation and air seali...
Xcel Energy Water Heater Rebate
Rebates for Xcel Energy customers who install qualifying high-efficiency electric water heaters or heat pump water heate...
Xcel Energy Solar*Rewards Program
Upfront incentive payment for Xcel Energy customers who install qualifying solar photovoltaic systems. Incentive rate va...
Xcel Energy Income-Qualified Efficiency Program
Free energy efficiency upgrades for income-qualified Xcel Energy customers in St. Cloud. Services include insulation, ai...
CenterPoint Energy Furnace Rebate
Rebates for CenterPoint Energy natural gas customers who install high-efficiency ENERGY STAR certified furnaces. Rebate ...
CenterPoint Energy Smart Thermostat Rebate
Rebates for CenterPoint Energy natural gas customers who purchase and install qualifying smart thermostats. Eligible mod...
USDA Section 504 Home Repair Loan & Grant
Federal program providing loans and grants to very-low-income homeowners in eligible rural areas near St. Cloud to repai...
VA Specially Adapted Housing (SAH) Grant
Grants for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet their a...
VA Special Housing Adaptation (SHA) Grant
Grants for eligible veterans with certain service-connected disabilities to adapt a home to meet their needs. Available ...
Minnesota Homestead Credit Refund (Property Tax Refund)
Minnesota property tax refund for homeowners and renters whose property taxes or rent constitutes a large percentage of ...
Minnesota Septic System Replacement Loan
Low-interest loans for Minnesota homeowners to repair or replace failing septic systems. Available statewide through par...
Minnesota Senior Citizen Property Tax Deferral
Allows Minnesota homeowners age 65 or older with household income below $96,000 to defer payment of property taxes. The ...
Tri-CAP Emergency Furnace Program
Emergency furnace repair and replacement services for income-eligible households in Stearns County and St. Cloud area. P...
Minnesota Housing Rehabilitation Fund
Provides deferred loans to low-income homeowners for major home repairs and rehabilitation. Administered through local p...
Stearns County HOME Program
Federal HOME Investment Partnerships Program funds administered by Stearns County for eligible homeowner rehabilitation ...
Minnesota Disaster Recovery Program
State disaster recovery assistance activated following presidentially-declared disasters in Minnesota. Programs may incl...
Met Council Livable Communities Grant (St. Cloud Metro)
Note: St. Cloud is located in Stearns County, outside the seven-county Minneapolis-St. Paul metropolitan area served by ...
Minnesota PACE Clean Energy Financing
Property Assessed Clean Energy (PACE) financing allows Minnesota property owners to finance renewable energy and energy ...
Minnesota State Historic Rehabilitation Tax Credit
Federal and state historic preservation tax credits for rehabilitation of certified historic buildings. Property must be...
Minnesota Energy Assistance Program (EAP)
Helps income-eligible Minnesota households pay heating costs and provides emergency crisis assistance for shut-offs or f...
Check program coordination before building a budget
A local grant, utility rebate, or tax credit may cover different parts of a project, but administrators set their own coordination rules. Confirm compatibility and payment timing with each official source.
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Contractor listings in St. Cloud
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