MN Housing Fix Up Fund

Fix-up Fund
The Fix-up Fund is a statewide program that offers affordable, click here for daily low fixed rates home improvement loans.

Eligibility Requirements:

  • Household income at or below $96,600 (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 $35,000.
  • A higher loan amount may be available if the improvements are being made for the accessibility of a family member with a disability.

Eligible Home Improvements with the Fix-up Fund
Most improvements to the accessibility or energy efficiency of a home, or general repairs are eligible, such as:

  • windows
  • insulation
  • new furnace
  • central air conditioning
  • electrical wiring
  • new roof
  • garage
  • septic repairs

In addition to energy-saving upgrades, homeowners may also finance renewable energy improvements. These include solar thermal, solar electric and wind turbines/generators.

Ineligible improvements
Swimming pools, hot tubs, gazebos and other recreational or entertainment facilities. Mobile homes are not eligible to receive Fix-up Fund financing unless they are fixed on a permanent foundation and taxed and financed as real property.