MN Home Improvement Grants & Loans by City

Many Twin Cities cities, counties, and state agencies offer help paying for home repairs and exterior upgrades. Most of it comes as low-interest loans, deferred or forgivable loans, or matching grants that reimburse part of a finished project. This guide lists programs by city and county, with links to each official program page.

Last reviewed: September 2026. Programs open, close, and change their rules often, and many run on yearly funding cycles. Always confirm current details, deadlines, and eligibility directly with the program administrator before you plan a project. Archway Contracting is not affiliated with any of these programs and does not decide who qualifies.

When people search for "home improvement grants," they usually find several different types of help. Knowing the difference makes it easier to find the right fit:

Matching or reimbursement grants: The city pays back a percentage of an approved project (often 15–30%) after the work is finished. "Front door" and curb appeal grants usually work this way.
Deferred loans: Zero-interest loans with no monthly payments. They are usually repaid when you sell, move, or refinance.
Forgivable loans: Deferred loans that are forgiven if you stay in the home for a set number of years.
Low-interest loans: Fixed-rate loans with monthly payments, often at below-market rates. Some have no income limit.
Free services: Programs like weatherization or volunteer repair groups that do the work for eligible households at no cost.
Rebates: Money back for specific energy upgrades, such as insulation.

Most programs require that you own and live in the home, are current on your mortgage and property taxes, and do not start work before you are approved. Many also set limits on household income, home value, or the age of the home.

These programs are available in most or all of Minnesota, so they are a good starting point no matter which city you live in.

Minnesota Housing Fix Up Loan

The Fix Up Loan offers fixed-rate loans from $2,000 to $75,000 with terms of up to 20 years. It covers most permanent improvements, including roofing, siding, windows, and additions. Income limits apply; for most Twin Cities households, the limit is close to $200,000. Loans are available through participating lenders, including the Center for Energy and Environment (CEE).

Minnesota Housing home improvement programs · Fix Up Loan through CEE

Minnesota Housing Rehabilitation and Emergency & Accessibility Loans

These deferred loans of up to $37,500 are for lower-income homeowners who need repairs for safety, habitability, energy efficiency, or accessibility, including roof repair. Income and asset limits apply.

Minnesota Housing Rehabilitation and Emergency Loans

Minnesota Housing Energy Loan Plus

Fixed-rate loans from $2,000 to $30,000 for energy upgrades like windows, insulation, and heating and cooling systems. Funding is limited.

Weatherization Assistance Program

This program provides free energy upgrades such as attic and wall insulation, air sealing, and furnace repair or replacement for households at or below 200% of federal poverty guidelines.

Minnesota Weatherization Assistance Program

USDA Home Repair Loans and Grants (Section 504)

For very-low-income homeowners in eligible rural areas, USDA offers 1% loans of up to $40,000. Homeowners age 62 or older may also qualify for grants of up to $10,000. Some outer-ring communities qualify, but most metro suburbs do not. Check your address on the USDA eligibility site.

USDA Single Family Housing Repair Loans & Grants

Strengthen Minnesota Homes (FORTIFIED roof grant)

This state program offers grants estimated at $10,000 to $15,000 toward a roof replacement built to the FORTIFIED Roof™ standard. It is currently limited to single- and two-family homes in Hennepin, Crow Wing, Morrison, and Todd counties. The program is not accepting applications right now and is expected to reopen in early 2027.

Strengthen Minnesota Homes Grant Program

Home energy rebates (HOMES and HEAR)

Minnesota plans to offer federal home energy rebates for upgrades like insulation, air sealing, and heat pumps, and for ENERGY STAR windows under the HOMES program. As of September 2026, neither program has launched, and there is no confirmed launch date. Rebates cannot be applied to work done before launch. Be cautious of any offer that claims otherwise.

HOMES program updates · HEAR program updates

County programs usually focus on health, safety, and essential repairs for low- to moderate-income households. Most have income limits, and some have waiting lists.

Anoka County: Home Rehabilitation Loan Program offers deferred loans for health and safety repairs. There is currently a waiting list. Anoka County Home Rehabilitation Loan Program
Hennepin County: Zero-interest deferred loans of up to $30,000 with no monthly payments, which may be forgiven. Eligible repairs include roof replacement, siding, windows, and doors. Hennepin County Home Repair and Maintenance Loans
Dakota County: Zero-interest deferred loans from $15,000 to $35,000 for repairs such as roof replacement, furnace replacement, and insulation. Serves Lakeville, Eagan, Burnsville, Apple Valley, and the rest of Dakota County. Dakota County CDA Home Improvement Loan Program
Ramsey County (suburban): Critical Repair Grants and Residential Rehab Deferred Loans for health, safety, and code-related repairs. Does not include St. Paul. Ramsey County Home Improvement Programs
Washington County: Home Improvement Loan and Repair and Renovate programs for households up to 80% and 115% of area median income, covering projects like roof replacement and door replacement. Washington County CDA Home Improvement Programs
Scott County: The Scott County CDA lists fix-up resources for Prior Lake, Savage, Shakopee, and other Scott County homeowners, including a zero-interest rehab loan for Shakopee residents. Scott County CDA Home Fix-Up Resources

Many cities partner with the Center for Energy and Environment (CEE) or NeighborWorks Home Partners to offer local programs. Cities are grouped by area below. If your city is not listed, start with your county and the statewide programs above.

North Metro and Anoka County

Andover: The city's grant program helps eligible homeowners connect to city water service and seal off private wells. It does not cover general exterior projects. Andover Home Improvement Grant Program
Anoka: Home improvement loans, deferred loans, and senior deferred loans through CEE. Programs for Anoka residents
Blaine: The Front Door Program reimburses 20% of qualifying exterior projects, up to $6,000. The Major Remodeling Program offers up to $10,000. Both are for homes 30+ years old with a 2025 assessed value of $450,000 or less, with no income limit. The 2027 application period opens in January. Blaine also offers home improvement loans from $5,000 to $50,000 with no income limit. Blaine City Home Improvement Grants · Blaine Home Improvement Loans
Coon Rapids: Front Door Grants from $1,000 to $5,000 are awarded by lottery. The 2026 application deadline was in February, so watch for the 2027 announcement. The city also offers home improvement loans from $2,000 to $50,000, deferred and emergency loans, and Home for Generations financing for major remodels. Coon Rapids Front Door Program · Coon Rapids Home Improvement Loans
Columbia Heights: City-specific programs through CEE. Programs for Columbia Heights residents
Fridley: Low-interest loans with no income limit, senior and emergency deferred loans, a Front Door Grant, and an exterior paint rebate. Fridley Home Improvement Grants & Loans
Mounds View: City-specific programs through CEE. Programs for Mounds View residents
Elk River: City-specific programs through CEE. Programs for Elk River residents

Northwest Metro and Hennepin County Suburbs

Champlin: The Front Door Grant covers 20–30% of eligible exterior projects, from $1,000 to $8,000, including roofing, siding, windows, gutters, doors, and decks. Funds are first-come, first-served starting January 1. Projects tied to insurance claims are not eligible. Champlin Front Door Grant
Brooklyn Park: Home improvement loans, senior deferred loans, and other housing programs. Brooklyn Park Home Improvements
Brooklyn Center: City rehabilitation and fix-up programs. Brooklyn Center Programs to Fix Up Your Home
Crystal, New Hope, and Robbinsdale: City-specific programs through CEE. Crystal · New Hope · Robbinsdale
Plymouth: The Home Rehabilitation Program offers zero-interest deferred loans of up to $40,000 for low- and moderate-income households, covering repairs like new roofs, siding, and windows. Plymouth also has an Emergency Repair Program for seniors. Plymouth Home Rehabilitation Program
Maple Grove: The city lists its housing programs and resources online. Homeowners can also use Hennepin County's deferred loan program. Maple Grove Housing Programs and Resources

West and Southwest Metro

Minnetonka: Low-interest loans of up to $15,000 for exterior repairs, energy upgrades, and more, with income and home value limits. Minnetonka Homeowner Programs
Wayzata: We did not find a city-run program as of this review. Wayzata homeowners can check Hennepin County's program and the statewide options above.
Richfield: Fix Up loans, deferred loans, and the Transformation Home Loan for major remodels, with no income limit. Richfield Remodeling Resources
Bloomington: The HRA Home Improvement Loan offers up to $40,000 with no monthly payments until sale or transfer. Bloomington HRA Resources
Edina and St. Louis Park: City-specific programs through CEE. Edina · St. Louis Park
Hopkins: Housing rehab deferred loans. Hopkins Housing Rehab Deferred Loans
Golden Valley: Home maintenance resources. Golden Valley Maintenance Resources

Minneapolis, St. Paul, and Ramsey County Suburbs

Minneapolis: Loans from $2,000 to $75,000 for owner-occupied homes with one to four units, with or without monthly payments. Minneapolis Home Improvement Financing
St. Paul: The Citywide Home Improvement Program offers below-market loans of up to $49,999 for households up to 80% of area median income. St. Paul Citywide Home Improvement Program
Roseville: City home improvement programs. Roseville Home Improvement Programs
Maplewood: The Maplewood Home Improvement Program. Maplewood Home Improvement Program

South Metro

Lakeville, Eagan, Apple Valley, and Burnsville: Dakota County CDA's zero-interest deferred loan (listed above) is the main option. Lakeville and Burnsville also share local resources. Lakeville Home Improvement Loans · Programs for Burnsville residents
West St. Paul and South St. Paul: City home improvement loan programs. West St. Paul · South St. Paul

East Metro

Woodbury: The Neighborhood Reinvestment Fund, a low-interest loan of up to $40,000, is currently on hold. Woodbury Neighborhood Reinvestment Fund
Other Washington County cities: See Washington County CDA's programs above.

Several Twin Cities nonprofits help seniors, people with disabilities, and lower-income homeowners with repairs, often at no cost:

Rebuilding Together Twin Cities: Donated labor and materials for critical repairs and safety modifications. Rebuilding Together
Twin Cities Habitat for Humanity – A Brush with Kindness: Exterior repairs for eligible homeowners. Habitat Home Repair
Hearts & Hammers: Volunteer exterior painting and repairs for seniors and homeowners with disabilities. Hearts & Hammers
NeighborWorks Home Partners: Home improvement and emergency repair loans across the metro. NeighborWorks Home Improvement Loans

Every program has its own process, but most follow similar steps:

Check eligibility first. Look at the income limits, home value limits, home age requirements, and whether you need to be current on your mortgage and taxes.
Note the application window. Many city grants open in January and fill up quickly, and some use a lottery. Loan programs often accept applications year-round.
Get a written bid. Most programs ask for at least one written bid from a licensed Minnesota contractor. Some require two for larger projects.
Wait for approval before starting. This is the most common way people miss out. Most programs will not pay for work that started or finished before your application was approved.
Complete the work within the deadline. Many programs require completion within about 120 days of approval or by a set date.
Submit paperwork for reimbursement. Matching grants usually pay after the work is done and invoices are submitted.

It depends on the program, so ask the program administrator directly. Some programs specifically exclude work paid for through an insurance claim. Champlin's Front Door Grant is one example. Questions about what your insurance policy covers should go to your insurance company or agent.

If you are dealing with storm damage, Archway can inspect for and document visible damage. While we are not insurance adjusters and do not interpret insurance policies, we can help you understand the storm restoration process and the difference between insurance-related repairs and upgrades you might pay for on your own.

We do not run these programs, and we cannot decide who qualifies. What we can do is help you plan a project that fits the program's rules:

Provide a free written estimate for roofing, siding, window, gutter, door, or deck projects that you can include with your application.
Explain the scope of work in plain language so you can compare it with the program's list of eligible projects.
Wait until you have program approval before starting work, and schedule the project around the program's deadlines.
Provide final invoices and documentation for your reimbursement paperwork.

Archway is a family-owned, woman-owned exterior contractor based in Ham Lake and serving homeowners across the Twin Cities since 2015.

Are there free government grants for home improvements in Minnesota?
A few, but true no-strings grants are rare. Most help comes as matching grants that reimburse part of a project, deferred or forgivable loans, or low-interest loans. Free services like weatherization and nonprofit repair programs are usually for income-qualified households.
Can I get a grant for a new roof in Minnesota?
Possibly. Several city front door grants, including those in Champlin, Blaine, and Coon Rapids, include roofing as an eligible or optional project. County deferred loans in Hennepin and Dakota counties cover roof replacement. The state's Strengthen Minnesota Homes program is expected to reopen in early 2027 for FORTIFIED roofs in select counties.
Do home improvement grants have income limits?
Many do, but not all. Blaine's front door and remodeling grants have no income limit but do cap home value and require a minimum home age. Fridley and Blaine offer home improvement loans without income limits. County and state rehab programs usually have income limits.
When do city home improvement grants open?
Many north metro front door grants accept applications from January through March, and some award funds first-come, first-served or by lottery. Planning your project in the fall or early winter gives you time to get bids ready.
Can I apply for a grant after my project is finished?
Usually not. Most programs do not cover work that started before approval. Apply and wait for your approval letter before any work begins.
Does Archway Contracting handle grant applications?
No. You apply directly to the program, and the program decides who is eligible. Archway can provide a free written estimate for your application and complete approved exterior work within the program's timeline.