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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. |