Minnesota Fix Up Fund Home Improvement Loan

Minnesota Housing Finance Agency (MHFA) / CEE

Available Home Repair

About This Program

Minnesota Fix Up Fund Home Improvement Loan is available to homeowners in St. Paul, MN.

Minnesota Housing's Fix Up Fund offers below-market interest rate loans ($2,000-$75,000) for virtually any permanent home improvement on owner-occupied primary residences. Current rates range from 3.00% to 7.99% over terms up to 20 years. Loans are available at 100% of project costs with no prepayment penalty. In declared disaster areas, up to $75,000 may be available at 0% interest.

Rates are typically 1-3% below market. For a $25,000 loan at 5% over 15 years, monthly payment is approximately $198. Income limits are generous compared to other programs.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

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

Key Details

  • Below-market loans $2,000-$75,000 for any permanent home improvement
  • Interest rates 3.00%-7.99%; terms up to 20 years
  • Income limit: $172,100 (varies by location)
  • 0% interest up to $75,000 in federally declared disaster areas
  • Apply through CEE or participating lenders; call 612-335-5840

How to Apply

Get free help applying Visit Official Program Page Track this program

612-335-5840

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

Get matched with a contractor

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.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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

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 Minnesota Fix Up Fund Home Improvement Loan provide in St. Paul, MN?

Up to $75,000 loan; 0% in declared disaster areas.

Who qualifies for Minnesota Fix Up Fund Home Improvement Loan in St. Paul?

Minnesota Fix Up Fund Home Improvement Loan is open to homeowners in St. Paul, MN.

How do I apply for Minnesota Fix Up Fund Home Improvement Loan in St. Paul, MN?

Apply directly with Minnesota Housing Finance Agency (MHFA) / CEE using the official program link on this page or call 612-335-5840. 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 St. Paul, MN contractors

Find More Programs in St. Paul, MN

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

See All Programs