Minneapolis Home Improvement Deferred Loan

City of Minneapolis / CPED

Available Home Repair

About This Program

Minneapolis Home Improvement Deferred Loan is available to homeowners in Minneapolis, MN.

0% interest, 30-year deferred loan secured by a note and mortgage. Due upon sale, transfer, or maturity. Covers emergency repair, health and safety, and general remodeling. Lead hazard grants also available.

Income-qualified Minneapolis homeowners

Official program page checked live on 2026-06-22.

Data last verified 2026-04-01. How we verify our data.

In Minneapolis, MN, you can combine this program with other local help to cut your cost:

Key Details

  • 0% interest, 30-year deferred, paid on sale or transfer
  • Covers emergency, health/safety, and general repairs
  • Lead hazard grants available stacked on top
  • New windows open periodically, join CPED listserv

How to Apply

Get free help applying Visit Official Program Page Track this program

612-673-5095

A grant-savvy contractor in Minneapolis, 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 Minneapolis early keeps your application moving.

Get matched with a contractor

This 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.

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.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • 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).
Download this checklist (PDF)

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: Rolling, sign up for CPED listserv for open windows

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Minneapolis Home Improvement Deferred Loan provide in Minneapolis, MN?

Up to $75,000.

Who qualifies for Minneapolis Home Improvement Deferred Loan in Minneapolis?

Minneapolis Home Improvement Deferred Loan is open to homeowners in Minneapolis, MN. It prioritizes low-income households.

How do I apply for Minneapolis Home Improvement Deferred Loan in Minneapolis, MN?

Apply directly with City of Minneapolis / CPED using the official program link on this page or call 612-673-5095. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Minneapolis, MN contractors

Find More Programs in Minneapolis, MN

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs