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St. Paul Home Improvement Lending Programs

Geographic Service Area: 
St. Paul
Income Limit: 
Up to 80% of Area Median Income
Program Details: 
Max loan amount ranges from $25,000 to $35,000
Income limits apply

The City of St. Paul administers a variety of home improvement and energy efficiency loan programs on a citywide basis.

4% Home Improvement Loans

  • Maximum loan amount is $35,000
  • Available to households making up to 80% of Area Median Income (AMI)
  • Eligible improvements include: room additions, building a new garage, furnace/air conditioning installation, roof replacement, siding, energy conservation, accessibility improvements, and many other repairs and remodeling projects.
  • Loan term of up to 20 years

Home Improvement Deferred Payment Loans

  • Maximum loan amount is $25,000
  • Available to households making up to 50% of Area Median Income (AMI)
  • Eligible improvements include basic and necessary improvements such as accessibility improvements, correction of lead-based paint hazards, heating systems, windows, electrical and roofing.
  • Deferred payment 0% interest due-on-sale or forgiven after 30 years of continued ownership and occupancy
  • Energy efficiency deferred payment loans of up to $15,000 may also be available

For more information
Contact Maribeth Hultman at 651-266-6611 or Maribeth.Hultman@ci.stpaul.mn.us.