MN Housing Rehabilitation Loan (RLP)

Minnesota Housing Finance Agency

Available Home Repair

About This Program

MN Housing Rehabilitation Loan (RLP) is available to homeowners in Minneapolis, MN.

0% interest deferred loan forgiven after 15 years if you remain in the home. Income limit ~$39,700/year for family of four (30% AMI). Covers safety, habitability, energy efficiency, and lead. Apply through local HRA.

Very low income (~30% AMI), contact Hennepin County HRA

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, no monthly payments
  • Loan forgiven after 15 years in home (10 years for mobile homes)
  • Income limit ~$39,700/year for family of four
  • Apply through Hennepin County HRA or CEE

How to Apply

Get free help applying Visit Official Program Page Track this program

612-543-4182

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: Year-round through local administrators (Hennepin County HRA, CEE)

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 MN Housing Rehabilitation Loan (RLP) provide in Minneapolis, MN?

Up to $27,000 forgivable.

Who qualifies for MN Housing Rehabilitation Loan (RLP) in Minneapolis?

MN Housing Rehabilitation Loan (RLP) is open to homeowners in Minneapolis, MN. It prioritizes low-income households.

How do I apply for MN Housing Rehabilitation Loan (RLP) in Minneapolis, MN?

Apply directly with Minnesota Housing Finance Agency using the official program link on this page or call 612-543-4182. 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.

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