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Incentives/Policies for Renewables & Efficiency

Printable Version
Fix-Up Loan   

Last DSIRE Review: 02/13/2015
Program Overview:
State: Minnesota
Incentive Type: State Loan Program
Eligible Efficiency Technologies: Water Heaters, Furnaces , Boilers, Central Air conditioners, Caulking/Weather-stripping, Building Insulation, Windows, Doors, Roofs, Comprehensive Measures/Whole Building
Eligible Renewable/Other Technologies: Solar Thermal Electric, Photovoltaics, Wind, Check with MHFA for additional qualifying renewable energy technologies, Other Distributed Generation Technologies
Applicable Sectors: Residential, Multi-Family Residential, Low-Income Residential
Amount:$1,000 - $20,000
Maximum Incentive:$20,000. Applicants may be eligible for higher loan and term amounts depending on income
Terms:Property must be owner-occupied
Loan repayment terms: up to 120 months
Household income at or below $96,500 (see exceptions below)
Funding Source:Fix-Up Fund
Web Site:

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 $1,000 and $20,000 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.

Minnesota Housing Finance Agency
Home Improvement Loans
400 Sibley Street, #300
St. Paul, MN 55101
Phone: (651) 296-7608
Phone 2: (800) 657-3769
Web Site:
NCSU - home
Disclaimer: The information presented on the DSIRE web site provides an unofficial overview of financial incentives and other policies. It does not constitute professional tax advice or other professional financial guidance, and it should not be used as the only source of information when making purchasing decisions, investment decisions or tax decisions, or when executing other binding agreements. Please refer to the individual contact provided below each summary to verify that a specific financial incentive or other policy applies to your project.

While the DSIRE staff strives to provide the best information possible, the DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. make no representations or warranties, either express or implied, concerning the accuracy, completeness, reliability or suitability of the information. The DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. disclaim all liability of any kind arising out of your use or misuse of the information contained or referenced on DSIRE Web pages.

Copyright 2014 - 2015 North Carolina State University, under NREL Subcontract No. XEU-0-99515-01. Permission granted only for personal or educational use, or for use by or on behalf of the U.S. government. North Carolina State University prohibits the unauthorized display, reproduction, sale, and/or distribution of all or portions of the content of the Database of State Incentives for Renewables and Efficiency (DSIRE) without prior, written consent.