Home Repair Loan Program

These loan funds may be used to make your home more livable, accessible and energy efficient, in Benton & Sherburne Counties(excluding the City of St.Cloud). All applicants MUST apply for the Energy Assistance Program (EAP) prior to applying for this Home Repair Loan Program.

  • 15 Year 0% interest forgivable loan on Real Property.
  • 10 Year 0% interest forgivable loan on Mobile Home/Personal Property.
  • Own the Property & Principal place of residence
  • Current on Property Taxes.
  • Current Homeowner's Insurance required on property.
  • Maximum Assets of $25,000 (does not include primary residence, personal belongings and 1 vehicle).
  • The interest rate is 0%.
  • The Maximum loan is $24,999.
  • If your house was built 1978 or before lead regulations apply.
  • The following Gross Income Limits apply:
Household SizeYearly Gross Income
1$17,700
2$20,200
3$22,700
4$25,200
5$27,200
6$29,200
7$31,300
8$33,300

Guidelines change annually

Go to the forms page to access the application for this program.