Minnesota Fix Up Fund Home Improvement Loan
Minnesota Housing Finance Agency (MHFA) / CEE
About This Program
The Grant Map catalogs Minnesota Fix Up Fund Home Improvement Loan in its St. Paul, MN research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Minnesota Housing's Fix Up Fund offers below-market interest rate loans ($2,000-$75,000) for virtually any permanent home improvement on owner-occupied primary residences. Current rates range from 3.00% to 7.99% over terms up to 20 years. Loans are available at 100% of project costs with no prepayment penalty. In declared disaster areas, up to $75,000 may be available at 0% interest.
Rates are typically 1-3% below market. For a $25,000 loan at 5% over 15 years, monthly payment is approximately $198. Income limits are generous compared to other programs.
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for St. Paul, MN, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- City of St. Paul Healthy Homes Program Up to $50,000 grant
- City of St. Paul Power of Home Program Up to $50,000 grant
- City of Saint Paul CDBG Housing Rehabilitation Varies by project; typically $10,000-$35,000
- Ramsey County Critical Repair Grant Up to $10,000 grant
Key Details
- Below-market loans $2,000-$75,000 for any permanent home improvement
- Interest rates 3.00%-7.99%; terms up to 20 years
- Income limit: $172,100 (varies by location)
- 0% interest up to $75,000 in federally declared disaster areas
- Apply through CEE or participating lenders; call 612-335-5840
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 St. Paul.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
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: Rolling
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Frequently asked questions
What amount is listed for Minnesota Fix Up Fund Home Improvement Loan in St. Paul, MN?
The Grant Map record states: Up to $75,000 loan; 0% in declared disaster areas. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for Minnesota Fix Up Fund Home Improvement Loan in St. Paul?
The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for Minnesota Fix Up Fund Home Improvement Loan in St. Paul, MN?
Confirm the application route directly with Minnesota Housing Finance Agency (MHFA) / CEE; use the cited source on this page as a starting point or call 612-335-5840. 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 St. Paul, 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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