Fix-Up Loan

July 29, 2025

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. Loans are available for up to $75,000. To be eligible for the loan, the home must be occupied by the property owner.

Another key feature of the MHFA home improvement loan program is the opportunity for homeowners to contract with approved lenders directly. Find a participating lender at this link.

Program Overview

Implementing Sector:	State
Category:	Financial Incentive
State:	Minnesota
Incentive Type:	Loan Program
Web Site:	https://www.mnhousing.gov/homeownership/improve-your-home.html
Administrator:	Minnesota Housing Finance Agency
Start Date:
Eligible Renewable/Other Technologies:	Solar Thermal Electric Solar Photovoltaics Wind (All) Water Heaters Lighting Furnaces Boilers Air conditioners Programmable Thermostats Caulking/Weather-stripping Building Insulation Windows Doors Roofs Comprehensive Measures/Whole Building Insulation Wind (Small) Other Distributed Generation Technologies
Maximum Loan:	$2,000 - $75,000
Loan Term:	Property must be owner-occupied Loan repayment terms: 1 - 20 years

Contact

Name:	Minnesota Housing
Address:	400 Wabasha St. N., Suite 400 St. Paul MN 55102
Phone:	(651) 296-7608
Email:	mn.housing@state.mn.us

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.