The City of Saint Paul offers homeowners no-interest deferred loans for basic and emergency improvements. Qualified homeowners can receive up to $25,000.

  • The Homeowner Rehab Program is currently suspended until June 15, 2022.
  • Applications for the Emergency Loan program are open year-round until funding is no longer available.

Eligibility

Rehab Loans (not taking applications until June 15, 2022)

The Department of Planning and Economic Development has temporarily suspended the intake of new applications for the Homeowner Rehab Loan Program. We will resume receiving and processing applications on June 15, 2022. Applications for the Emergency Loan program are still being accepted.

Applicants must:

  • owner occupy the home, 
  • homestead as principal residence throughout the loan term, and
  • earn at or less than 60% Area Median Income (AMI).

Property must be 4 units or less

Loan can be used for:

  • lead based paint hazards,
  • plumbing/electrical/mechanical repairs,
  • roofing repairs/replacement,
  • accessibility ramps,
  • and/or other basic and necessary improvements for health, safety, habitability, energy efficiency or accessibility.

Emergency Loans

Applicants must:

  • owner occupy the home, 
  • homestead as principal residence throughout the loan term, and
  • earn at or less than 80% Area Median Income (AMI).

Property must be a single-family unit.

Loan can be used for:

  • electrical repairs,
  • furnace/heating systems,
  • sewer lines,
  • and/or other emergency improvements for safety, habitability, or accessibility.

Financing

Both loans have the same financing terms.

  • Type: Loan
  • Maximum award: $25,000
  • Loan terms:
    • Interest: 0%
    • Term: 30 years
    • Repayment: Deferred until borrower sells, transfers title, or no longer lives in home

Last Edited: May 17, 2022