Minnesota Housing Finance Agency
Minnesota Housing Rehabilitation Loan Program is available to homeowners in Rochester, MN.
Low-interest deferred loan for major home repairs and improvements for owner-occupied households. Loans may be partially or fully deferred based on income. Administered through local participating lenders.
Deferred loan amount based on scope of repairs needed
Official program page checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Rochester, MN, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Rochester, 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 Rochester 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 Minnesota Housing Rehabilitation Loan and Emergency and Accessibility Loan programs are zero percent interest deferred loans for low-income homeowners to fix things that affect the safety, habitability, energy efficiency, or accessibility of the home, including emergency repairs. You apply through a Minnesota Housing participating lender, who works with you from pre-qualification to closing.
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: Rolling basis, subject to fund availability
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $50,000 loan.
Minnesota Housing Rehabilitation Loan Program is open to homeowners in Rochester, MN.
Apply directly with Minnesota Housing Finance Agency using the official program link on this page or call (800) 710-8871. 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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