Ramsey County HRA / Slipstream (administrator)
Ramsey County Residential Rehab Deferred Loan is available to homeowners in St. Paul, MN.
Ramsey County's Residential Rehab Deferred Loan provides up to $20,000 as a 0% interest deferred loan for health, safety, and code-related repairs to single-family owner-occupied homes in suburban Ramsey County. The loan decreases at 10% per year after the first year and is fully forgiven after 10 years with no monthly payments. Excludes the City of Saint Paul.
No interest, no monthly payments. Loan decreases by 10%/year after year one, fully forgiven after 10 years if homeowner remains in residence.
Official program page 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:
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 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.
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
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $20,000 deferred loan (forgiven at 10%/year).
Ramsey County Residential Rehab Deferred Loan is open to homeowners in St. Paul, MN.
Apply directly with Ramsey County HRA / Slipstream (administrator) using the official program link on this page or call 800-525-6214. 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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