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Fix-Up Loan

Eligibility 
Residential
Multifamily Residential
Low Income Residential
Savings Category 
Solar Thermal Electric
Solar Photovoltaics
Wind (All)
Water Heaters
Furnaces
Boilers
Air conditioners
Caulking/Weather-stripping
Building Insulation
Windows
Doors
Roofs
Comprehensive Measures/Whole Building
Wind (Small)
Other Distributed Generation Technologies
Program Info
Sector Name 
State
Administrator 
Minnesota Housing Finance Agency
Funding Source 

Fix-Up Fund

State 
Minnesota
Program Type 
Loan Program
Summary 
The Minnesota Housing Finance Agency's (MHFA) Fix-up Loan provides low-interest financing for energy conservation and other basic improvements to residential properties. Home improvement loans range between $1,000 and $20,000 based on which energy efficient and renewable energy technologies are implemented. A higher loan amount may be available for improvements that enhance the accessibility of the home for a disable family member. Unsecured loans are available for up to $15,000. To be eligible for the loan, the home must be occupied by the property owner. Additionally, total family income must be at or below $96,500, unless improvements are for the enhanced accessibility of the home.
Another key feature of the MHFA home improvement loan program is the opportunity for homeowners to contract with approved lenders directly. Click here for lenders that serve the Twin Cities 11-County Metropolitan Area and here for lenders that serve the Greater Minnesota area. In addition, participating homeowners may select and hire contractors of their choice.