Find grants, rebates, forgivable loans, and free programs for Minneapolis, MN, filtered to your situation.
As of June 2026, 51 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Minneapolis, MN, with individual awards up to $126,526. 11 programs target seniors, 7 serve veterans, and 23 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 29 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 10 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | Refunded to you after purchase | Energy-efficiency upgrades |
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0% interest, 30-year deferred loan secured by a note and mortgage. Due upon sale, transfer, or maturity. Covers emergenc...
Grant layered on top of CPED deferred loan to address lead-based paint hazards identified in a third-party risk assessme...
Low fixed-rate loan for most permanent home improvements. Income limit $172,100 for 11-county Twin Cities metro. Terms u...
0% interest deferred loan forgiven after 15 years if you remain in the home. Income limit ~$39,700/year for family of fo...
0% interest, 10-year deferred forgivable loan for Minneapolis and Saint Paul homeowners. Income at or below 80% AMI ($10...
0% interest, no monthly payment deferred loan for urgent home repairs affecting safety, habitability, accessibility, or ...
0% interest, no monthly payments, forgiven if you remain in and own the home and don't transfer title. Income limits: $6...
$7.75M HUD Healthy Homes Production Grant awarded to Hennepin County. Covers testing and lead paint hazard repair. Owner...
10-year forgivable deferred loan specifically for accessibility improvements: ramps, grab bars, lever handles, roll-in s...
CEE is a primary lender for the MN Housing Fix Up Loan. Flexible terms, income limits up to $172,100 in metro. Also offe...
Rebates for natural gas customers on high-efficiency furnaces, water heaters, smart thermostats ($50), and air sealing +...
Income-qualified CenterPoint customers get a free home energy review + CenterPoint pays at least 50% of approved improve...
Rebates for Xcel electric customers on cold-climate heat pumps ($1,500-$2,000), attic insulation (40% up to $600), wall ...
Free Home Energy Squad visit for income-qualified Xcel customers. Technicians install LED lights, weatherstripping, prog...
City bonus rebates stacked on top of CenterPoint and Xcel utility rebates. Up to $14,000 in Northside and Southside Gree...
Free insulation, air sealing, furnace repair/replacement, and water heater upgrades for households at or below 200% fede...
SRC provides free in-home lead testing, risk assessments, and remediation for income-qualified families in Hennepin Coun...
Volunteer teams paint, repair, and restore homes at no cost. Addresses critical health, safety, and mechanical systems i...
Free volunteer and contractor repairs for homeowners at or below 50% AMI in the 7-county metro. Covers flooring, paintin...
Free exterior home repairs for seniors 60+, disabled individuals, and veterans in the 7-county metro. Painting, siding, ...
Federal/state energy assistance pays part of heating bills directly to utilities. Also covers furnace repair and replace...
Annual property tax refund based on income and property taxes paid on your primary residence. Frees up cash for home imp...
Homeowners 65+ with household income ≤ $96,000 can defer property taxes as a lien on the home, freeing up cash. Must hav...
Veterans with 70%+ disability rating get $150,000 excluded from taxable home value. 100% permanently disabled veterans g...
For veterans with permanent total service-connected disability. Buy, build, or modify home for wheelchair access, ramps,...
For veterans with specific service-connected disabilities (blindness, loss of use of both hands). Adapts or purchases a ...
Most accessible VA grant, any veteran with a service-connected disability qualifies. Covers ramps, grab bars, accessible...
10-year performance-based incentive at $0.03/kWh for Xcel solar customers plus net metering credits. Income-qualified cu...
30% federal tax credit on solar panels, battery storage, and geothermal heat pumps installed for installations completed...
Minnesota is awaiting DOE approval to launch IRA-funded rebate programs: Home Efficiency Rebates (HOMES) up to $8,000 ba...
Up to $25,000 for home improvements. Unsecured up to $7,500, no equity required. No income limit. Fills the gap when gra...
Finance purchase + renovation in one mortgage. Limited 203(k) covers up to $75,000 in non-structural repairs. Standard 2...
20% state tax credit on qualified rehabilitation costs for properties listed in the National Register of Historic Places...
Home and Community Based Services waivers fund accessible home modifications for Medicaid-enrolled individuals with disa...
Free IRS-certified tax prep at multiple Twin Cities locations. Critical for claiming the Homestead Credit Refund, energy...
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
USDA's Section 504 program provides grants up to $10,000 for homeowners age 62+ with very low incomes in rural areas to ...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Minnesota Housing's Start Up program pairs a below-market first mortgage with a Monthly Payment Loan (MPL) or Deferred P...
Hennepin County's CareerForce Centers provide WIOA-funded Individual Training Accounts and career services for Minneapol...
Minnesota's Child Care Assistance Program (CCAP) helps low-income families pay for child care so parents can work, atten...
The SBA Minnesota District Office in Minneapolis serves small businesses throughout Minnesota. Programs include SBA Micr...
The Metropolitan Consortium of Community Developers (MCCD) is an SBA-approved microlender serving Minneapolis and the Tw...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
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51 programs are currently listed for Minneapolis, including Minneapolis Home Improvement Deferred Loan, Minneapolis Lead Hazard Control Grant, MN Housing Fix Up Loan.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Minneapolis, 29 programs do not require repayment, 10 are forgivable loans, and 5 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.