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Home Energy Loan Program

Savings Category 
Maximum Rebate 

2.99% fixed interest rate: $10,000
4.99% fixed interest rate: $20,000

Program Info
Program Type 
State Loan Program
Rebate Amount 

Varies by improvements

Center for Energy and Environment

The Home Energy Loan Program is a statewide program of the Minnesota Housing Finance Agency administered by the Center for Energy and Environment Financial Resources. It offers low interest loans to homeowners who want to make energy improvements to their properties. Eligible improvements include water heaters, furnaces, air conditioners, building insulation, windows, and doors. Custom improvements may be eligible as determined by the program administrator.

The property should be single-family (1-4 units) residential, but up to 49% of the residence can be used for business. Eligible property must have been built prior to May 1, 1989. There is no maximum annual household income limit, but borrowers must own the property or be purchasing it through mortgage or contract for deed.