Minnesota Housing Fix-Up Fund

Minnesota Housing Finance Agency

Available Home Repair

About This Program

Minnesota Housing Fix-Up Fund is available to homeowners in Winona, MN.

Low-interest loan program for home improvements administered through participating Minnesota lenders. Available to homeowners at or below 115% of area median income with interest rates ranging from 0% to 4% based on household income.

Loan amount varies by project scope; interest rate determined by income tier

Verified against Minnesota Housing Finance Agency's official page on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

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

Key Details

  • Low-interest loans up to $50,000
  • 0-4% interest based on income level
  • Income at or below 115% AMI required
  • 15-year repayment term available
  • Apply through participating Minnesota lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 710-8871

A grant-savvy contractor in Winona, 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 Winona 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

The Fix Up loan is a fixed-rate home improvement loan from Minnesota Housing for owner-occupants. You do not apply to the state directly; you work with an approved participating lender, who handles everything from pre-qualification to closing. Secured loans run from 2,000 dollars to 75,000 dollars with terms up to 20 years and can pay for repairs, energy improvements, and accessibility work; income limits apply to most loans but are waived for accessibility.

Steps to apply

  1. Confirm you qualify: you own and live in a Minnesota home and your household income is within the program limit (the income limit is waived for accessibility improvements).
  2. Plan your project and get itemized contractor bids or materials estimates.
  3. Use the Minnesota Housing lender directory on the Improve Your Home page to find an approved participating lender near you.
  4. Contact the lender to get pre-qualified and complete the lender's loan application.
  5. Work with the lender through underwriting and closing, then receive the funds to pay for the improvements.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home (a deed, mortgage statement, or property tax record).
  • A government-issued photo ID for each borrower.
  • Income documentation (recent pay stubs, W-2 forms, or tax returns) to verify you are within the income limit.
  • Itemized contractor bids or materials estimates for the planned improvements.
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: Contact participating lenders for availability

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 Housing Fix-Up Fund provide in Winona, MN?

Up to $75,000.

Who qualifies for Minnesota Housing Fix-Up Fund in Winona?

Minnesota Housing Fix-Up Fund is open to homeowners in Winona, MN.

How do I apply for Minnesota Housing Fix-Up Fund in Winona, 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.

Need a Contractor for This Grant?

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

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