Minnesota Housing Finance Agency
Minnesota Housing Fix-Up Fund is available to homeowners in Golden Valley, MN.
Deferred-payment home improvement loan for income-qualified Minnesota homeowners. Interest-free loan with no payments for up to 20 years or until home is sold, refinanced, or no longer primary residence. Covers repairs, accessibility modifications, and energy improvements.
Deferred loan, no payments until home sale or refinance
Verified against Minnesota Housing Finance Agency's official page on 2026-06-17.
Data last verified 2026-06-09. How we verify our data.
In Golden Valley, MN, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Golden Valley, MN can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
You will likely need a contractor to apply
Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Golden Valley early keeps your application moving.
Get matched with a contractorThis program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.
Each program sets its own contractor rules. Check the official program page for exact requirements.
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
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Ongoing through participating lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $75,000.
Minnesota Housing Fix-Up Fund is open to homeowners in Golden Valley, MN.
Apply directly with Minnesota Housing Finance Agency using the official program link on this page or call (800) 652-9747. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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