This program offers homeowners no-interest deferred loans for basic and emergency improvements to homes located in the City of Saint Paul.

Qualified homeowners can receive up to $40,000 for rehab and homeowners eligible for the Inheritance Fund layers can receive up to $80,000 for rehab. All qualified residents can receive up to $40,000 for emergency repairs. Once funding is secured, the City of Saint Paul disburses the payments to the contractors when the project is complete.

Once the initial information is reviewed, eligible applicants will be placed on a waitlist and staff will connect via phone and email on a first come, first served basis as funding allows. Please note there is high interest in this program.

Download Full Program Guidelines

Eligibility

This program is only for homes located within the City of Saint Paul.

To help determine eligibility for the program, please submit an intake form. Please note that this is a preliminary form and all information will be verified prior to receiving any funding.

Once the initial information is reviewed, eligible applicants will be placed on a waitlist and staff will connect via phone and email on a first come, first served basis as funding allows. Please note there is high interest in this program.


 

Rehab 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 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.

Lead-based paint assessment

If your home was built prior to 1978, the home must undergo a lead risk assessment once you are preapproved for the program. If any hazards are found, the funds must also be used to repair them first and the rest will go towards the other improvements, health and safety needs.

Start your intake form


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.

Lead-based paint assessment

If your home was built prior to 1978, the home must undergo a lead risk assessment once you are preapproved for the program. If any hazards are found, the funds must also be used to repair them first and the rest will go towards the other improvements, health and safety needs.

Start your intake form

Financing

Both loans have the same financing terms.

  • Type: Loan
  • Maximum award:
    • Regular rehab: $40,000 ($80,000 for Inheritance Fund)
    • Emergency rehab: $40,000
  • Loan terms:
    • Interest: 0%
    • Term: 15 years (loan is forgiven at an amortized rate of 1/15th annually)
    • Repayment: Deferred until borrower sells, transfers title or no longer lives in home. Fully forgiven if terms are met and homeowner remains in the home for the full 15 year term.

Program Guidelines

The Saint Paul Housing and Development Authority (HRA) green-lighted updates to the program at its January 11, 2023.

Download Full Program Guidelines

Last Edited: March 22, 2023