Home Improvement Grants in St. Paul.

Browse cataloged grants, rebates, loans, and other assistance records for St. Paul, MN. Verify each program's current rules, service area, and status.

The St. Paul, MN directory shows 27 cataloged resources. Of those, 23 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 23 records is $126,526, not an estimate of your award. Discovery tags include 9 senior-related records, 4 veteran-related records, and 9 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.

Record set last reviewed 2026-04-03. How we verify our data.

Types of help in this city

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Funding typeRecordsWhat to verifyLabel scope
Grants18Repayment, tax, and possible lien termsDirectory classification; confirm official terms
Forgivable loans2Forgiveness schedule, residency, and lien termsDirectory classification; confirm official terms
Rebates2Eligible purchases, upfront payment, and claim timingDirectory classification; confirm official terms

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Showing all 27 resources (23 currently open or actionable repair-assistance records)
Up to $50,000 grant

City of St. Paul Healthy Homes Program

St. Paul's Healthy Homes program provides grants up to $50,000 for pre-weatherization health-and-safety repairs and weat...

Home Repair
Up to $50,000 grant

City of St. Paul Power of Home Program

Power of Home provides grants up to $50,000 to replace gas appliances with high-efficiency electric alternatives in sing...

Weatherization
Varies by project; typically $10,000-$35,000

City of Saint Paul CDBG Housing Rehabilitation

Saint Paul's CDBG program funds housing rehabilitation activities through community organizations and direct city progra...

Home Repair
Up to $10,000 grant

Ramsey County Critical Repair Grant

Ramsey County's Critical Repair Grant provides up to $10,000 to address health, safety, and code-related repairs for low...

Home Repair
Up to $20,000 deferred loan (forgiven at 10%/year)

Ramsey County Residential Rehab Deferred Loan

Ramsey County's Residential Rehab Deferred Loan provides up to $20,000 as a 0% interest deferred loan for health, safety...

Home Repair
Up to $75,000 loan; 0% in declared disaster areas

Minnesota Fix Up Fund Home Improvement Loan

Minnesota Housing's Fix Up Fund offers below-market interest rate loans ($2,000-$75,000) for virtually any permanent hom...

Home Repair
Average ~$7,000-$10,000 per home in Minnesota

Minnesota Weatherization Assistance Program (WAP)

Minnesota's Weatherization Assistance Program provides free energy efficiency improvements to low-income households. In ...

Weatherization
Up to $7,500 depending on measures installed

Xcel Energy Home Efficiency Rebates (Minnesota)

Xcel Energy offers residential rebates for high-efficiency heating, cooling, insulation, and water heating upgrades for ...

Energy
Up to $1,500 for wall insulation; $1,300 for attic air sealing + insulation

CenterPoint Energy Home Efficiency Rebates (Minnesota)

CenterPoint Energy offers rebates for residential energy efficiency improvements to Minnesota natural gas customers. Key...

Energy
Varies by project, exterior/critical repairs provided free

Twin Cities Habitat for Humanity, A Brush with Kindness

Twin Cities Habitat for Humanity's A Brush with Kindness program preserves homeownership by pairing staff and volunteers...

Home Repair
Refund varies; typically $500-$2,500 depending on income and taxes

Minnesota Homestead Classification & Credit Refund

Minnesota's Homestead Credit Refund program provides a property tax refund to owner-occupants whose property taxes excee...

Property Tax Relief
Defers property taxes above 3% of income, accumulates as lien at 3% interest

Minnesota Senior Citizens Property Tax Deferral

Minnesota's Senior Property Tax Deferral Program allows homeowners age 65 or older with household income at or below $96...

Property Tax Relief
Excludes up to $300,000 of market value (100% rated); proportional for partial ratings

Minnesota Disabled Veterans Market Value Exclusion

Minnesota provides a market value exclusion for veterans with service-connected disabilities: 100% disabled veterans (or...

Veterans
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) / Special Housing Adaptation (SHA) Grants

The VA's Specially Adapted Housing (SAH) grant helps veterans with severe service-connected mobility disabilities adapt ...

Veterans
Benefit amount varies; typically $300-$1,500 per household

Minnesota Energy Assistance Program (EAP/LIHEAP)

Minnesota's Energy Assistance Program (EAP), funded by federal LIHEAP dollars, provides direct financial assistance to l...

Energy
Up to FHA loan limits for Ramsey County ($524,225 standard; $1,089,300 high-balance)

FHA 203(k) Rehabilitation Mortgage

The FHA 203(k) loan allows homebuyers and existing owners to finance purchase (or refinance) plus renovation costs in a ...

Home Repair
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

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...

Disaster
Varies, full line replacement cost covered in many programs

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...

Seniors & Disability
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Rural Home Repair Loans & Grants

USDA's Section 504 program provides grants up to $10,000 for homeowners age 62+ with very low incomes in rural areas to ...

Home Repair
Free, up to 3 smoke alarms installed at no cost

American Red Cross Home Fire Campaign, Free Smoke Alarms

The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...

Home Repair
Free, services typically valued at $500-$10,000

Rebuilding Together Safe at Home

Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...

Home Repair
Varies by state, some offer $500-$1,000 radon mitigation assistance

EPA State Indoor Radon Grants, State Radon Programs

EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...

Seniors & Disability
Varies by local affiliate, loans and grants available

NeighborWorks Network, Home Repair & Modification Programs

NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...

Home Repair
National Trust grants go to nonprofits/agencies, not direct to homeowners; state HPF grants vary

National Trust for Historic Preservation, Homeowner Resources

Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...

Historic
Loan guarantee, no dollar cap on loan amount (lender sets max)

HUD Section 184 Indian Home Loan Guarantee

The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...

Home Repair
30% federal ITC + Xcel Solar*Rewards

Federal Solar ITC + Minnesota Solar Incentives

St. Paul homeowners served by Xcel Energy can combine the 30% federal Solar ITC with Xcel's Solar*Rewards program, payin...

Solar/Renewable

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Local help in St. Paul, MN

Organizations that help St. Paul homeowners with repairs, weatherization, and applications. We list these as a helpful resource; we are not affiliated with them and do not endorse them.

Frequently asked questions

What home-improvement assistance records are cataloged for St. Paul, MN?

The directory includes 23 possible-program records associated with St. Paul, including City of St. Paul Healthy Homes Program, City of St. Paul Power of Home Program, City of Saint Paul CDBG Housing Rehabilitation. Inclusion does not confirm current availability or eligibility.

How are the assistance records for St. Paul classified?

Our classifier labels 18 records as grants, 2 as forgivable loans, and 2 as rebates in St. Paul. Classification can be incomplete; confirm the benefit type, lien, repayment, and conditions in the administrator's terms.

How do I research and apply for home repair assistance in St. Paul?

Each program page shows the source, application route, or contact we have on file. Confirm the current route, requirements, and any costs with the administering organization before applying. The current Grant Map homeowner fee is $0.