Minnesota Housing Fix-Up Fund
Minnesota Housing Finance Agency
About This Program
The Grant Map catalogs Minnesota Housing Fix-Up Fund in its Winona, MN research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Low-interest loan program for home improvements administered through participating Minnesota lenders. Available to homeowners at or below 115% of area median income with interest rates ranging from 0% to 4% based on household income.
Loan amount varies by project scope; interest rate determined by income tier
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 Winona, 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
- Low-interest loans up to $50,000
- 0-4% interest based on income level
- Income at or below 115% AMI required
- 15-year repayment term available
- Apply through participating Minnesota lenders
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 Winona.
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
The Fix Up loan is a fixed-rate home improvement loan from Minnesota Housing for owner-occupants. You do not apply to the state directly; you work with an approved participating lender, who handles everything from pre-qualification to closing. Secured loans run from 2,000 dollars to 75,000 dollars with terms up to 20 years and can pay for repairs, energy improvements, and accessibility work; income limits apply to most loans but are waived for accessibility.
Steps to apply
- Confirm with the administrator that you meet the current rules: you own and live in a Minnesota home and your household income is within the program limit (the income limit is waived for accessibility improvements).
- Plan your project and get itemized contractor bids or materials estimates.
- Use the Minnesota Housing lender directory on the Improve Your Home page to find an approved participating lender near you.
- Contact the lender to get pre-qualified and complete the lender's loan application.
- Work with the lender through underwriting and closing, then receive the funds to pay for the improvements.
Documents you will likely need
- Proof you own and occupy the home (a deed, mortgage statement, or property tax record).
- A government-issued photo ID for each borrower.
- Income documentation (recent pay stubs, W-2 forms, or tax returns) to verify you are within the income limit.
- Itemized contractor bids or materials estimates for the planned improvements.
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: Contact participating lenders for availability
Questions about this program?
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Frequently asked questions
What amount is listed for Minnesota Housing Fix-Up Fund in Winona, MN?
The Grant Map record states: Up to $75,000. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for Minnesota Housing Fix-Up Fund in Winona?
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 Housing Fix-Up Fund in Winona, 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) 710-8871. 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 Winona, 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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