Fix-Up Loan (Minnesota)

From Open Energy Information


Last modified on January 5, 2015.

Financial Incentive Program

Place Minnesota

Name Fix-Up Loan
Incentive Type State Loan Program
Applicable Sector Residential, Multi-Family Residential, Low-Income Residential
Eligible Technologies Water Heaters, Furnaces, Boilers, Central Air conditioners, Caulking/Weather-stripping, Building Insulation, Windows, Doors, Roofs, Comprehensive Measures/Whole Building, Solar Thermal Electric, Photovoltaics, Wind, Other Distributed Generation Technologies
Active Incentive Yes
Implementing Sector State/Territory
Energy Category Renewable Energy Incentive Programs, Energy Efficiency Incentive Programs
Amount 2,000 - 50,000

Funding Source Fix-Up Fund

Maximum Incentive 35,000 (see exceptions below)

Unsecured loans: 15,000

Terms Property must be owner-occupied

Loan repayment terms between 10 and 20 years
Household income at or below 96,500 (see exceptions below)

Program Administrator Minnesota Housing Finance Agency

References DSIRE[1]


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 $2,000 and $50,000 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.

Incentive Contact

Contact Name MHFA
Department Minnesota Housing Finance Agency
Division Home Improvement Loans
Address 400 Sibley Street, #300
Place St. Paul, Minnesota
Zip/Postal Code 55101
Phone (651) 296-7608
Phone 2 (800) 657-3769

  • Incentive and policy data are reviewed and approved by the N.C. Solar Center's DSIRE project staff.[1]


  1. 1.0 1.1  "Database of State Incentives for Renewables and Efficiency" Cite error: Invalid <ref> tag; name "DSIRE" defined multiple times with different content