Minnesota Housing Fix-Up Program

Geographic Service Area: 
Program Details: 
Income limit is $104,000 (waived for certain accessibility and energy improvements)
Loan amounts from $2,000 to $50,000
Unsecured loans up to $15,000

Minnesota Housing’s Fix-up Program is a statewide program that offers affordable, low-interest fixed rate home improvement loans.

Eligibility Requirements:

  • Household income at or below $104,000 (the income limit may be waived if the improvements are being made for the accessibility of a family member with a disability)
  • Property must be owner-occupied
  • Single family homes, duplexes, triplexes or four-plexes are eligible

Loan Features:

  • Hire a contractor or do the work yourself.
  • Maximum loan term of 10 or 20 years based on loan amount.
  • Loan amounts from $2,000 to $50,000

Eligible Home Improvements with the Fix-Up Program: 

  • Most improvements to the accessibility or energy efficiency of a home, or general repairs are eligible, such as: windows, insulation, a new furnace, central air conditioning, electrical wiring, a new roof, a garage, septic repairs, etc.

Find a Fix-Up Program Lender in the Twin Cities or in Greater Minnesota.