Housing Resources

Apartments & Senior Living

First-Time Homebuyers Assistance

Did you know Ramsey County offers first-time home buyers assistance? Visit the Ramsey County website for more information.

Home Improvement Loan & Grant Information

Ramsey County programs for weatherization, deferred loans, and rehabilitation loans.

The Center for Energy and the Environment (MNCEE) is a non-profit focused on helping people maintain their homes. They offer low-interest loans for homeowners and may have a home loan that matches your needs. CEE also offers home remodeling consultations and other services.

Energy Efficiency

Warm up Your Home with a new Furnace and Attic Insulation from Neighborhood Energy Connection (NEC). You could even receive an energy conservation deferred loan of $6,500 for energy improvements.

Habitat for Humanity - A Brush with Kindness

This program serves struggling homeowners whose home needs paint, maintenance and general restoration work. Learn more about this program (PDF).

Housing Program Specifics (Single & Multi-Family)

Program
Offered By
Category
Summary
HomePath ReadyBuyer Program
Fannie Mae
Affordability
Complete an online home buying course to receive up to 3% of closing cost assistance toward the purchase of a HomePath property
HomePath Renovation Mortgage
Fannie Mae
Remodeling
Allows a borrower to purchase a property that requires light to moderate renovation
HomeHelpMN
MN Housing
Financial Assistance
Provides assistance with mortgages and other housing-related expenses
HUD 233F
MHFA
Building, Affordability
Funds may be used for acquisition, refinance or moderate rehabilitation of multifamily rental housing
Low and Moderate Income Rental Programs
MHFA
Building, Affordability
Provides a variety of financing products for multifamily rental housing affordable to low- and moderate-income Minnesotans
Rent Assistance
MHFA
Affordability
Variety of links to programs focused on making housing affordable
Quick Start Disaster Recovery Program
MHFA
Emergency and Safety
Provides assistance as a last resort when private insurance and federal assistance are not enough to repair home to pre-disaster condition
Fix Up Loan
MHFA
Energy and Accessibility
Fixed interest rate loans with lower interest rates for energy conservation and accessibility improvements to home
Rehabilitation / Emergency and Accessibility Loans
MHFA
Remodeling, Emergency and Safety
Assists low-income homeowners in financing basic home improvements
Home Improvement Loan Program
MN CEE
Energy and Accessibility
Provides loans to improve the basic livability and/or energy efficiency of the borrower’s home
Solar Financing Program
MN CEE
Energy and Accessibility
Low-interest loans for Minnesota homeowners to increase the energy efficiency of their homes using photovoltaic (PV) solar technology
Home Energy Loan Program
MN CEE
Energy and Accessibility
Low-interest home energy loans for Minnesota homeowners to make energy improvements in their homes
First HOME Buyer Assistance Program
Ramsey County
Affordability

Helps first home buyers purchase homes more affordably by providing deferred loans that can be used for down payment assistance, closing costs, and occasionally, health/safety/code improvements

Deferred Loan (through GMHC)
Ramsey County
Emergency and Safety
Secure funds for improvements necessary to meet minimum housing quality standards for low- and moderate-income households
Window Replacement due to Lead (PDF)
Ramsey County
Emergency and Safety
Ramsey County Department of Public Health along with several partners is working to address lead paint hazards in Ramsey County homes occupied by young children who are most at risk for lead poisoning
Suburban Ramsey County Energy Conservation Deferred Loan
Ramsey County
Energy and Accessibility
Receive up to $6,500 in forgivable financing for the energy improvements you need today, including new furnaces, boilers, and insulation
Homeownership Preservation Program
Ramsey County
Affordability
Ramsey County is offering housing payment assistance to suburban Ramsey County homeowners.  Eligible payments include mortgage, homeownership association (HOA) dues, water bills, homeowner’s insurance and property taxes.
Xcel Energy's Payment Plan (PDF)
Xcel Energy
Energy and Accessibility
The new program forgives up to 75% of the overdue amount on eligible residential customers’ electricity bills. If you owe between $1,000 and $4,000, call Xcel Energy at 800-895-4999 to confirm your eligibility and sign up. More information is available on their website.