County Programs

Grants

Ramsey & Washington Counties - Energy Assistance Program

This is a resource for grants in maintaining affordable, continuous and safe home energy wiithin Ramsey and Washington Counties. Services include bill payment assistance, intervention in energy crisis situations, outreach to under-served populations, advocacy for and information about utility consumer rights and referrals to our Energy Conservation department and other community agencies. Eligible Incomes: Household Size - Annual Gross Income 1 $22,620 2 $29,580 3 $36,540 4 $43,500 5 $50,460 6 $57,420 7 $58,725 8 $60,030 9 $61,335 10 $62,640 11 $63,945 12 $65,250

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Ramsey County Deferred Loans and Grants

This zero interest loan is for owner-occupied, single family properties in Suburban Ramsey County. Maximum loan is $15,000 for home improvements necessary to meet minimum housing quality standards. Eligible properties must be at least 15 years old and meet the estimated market value limit. Condominium and townhomes are eligible for interior repairs only. The loan is divided into two tiers:

    Tier One - Low Income Households:

For households with a gross annual income at or below 50% of the area median income. The loan is forgiven at a rate of 10% per year. The loan is completely forgiven if the home is not sold and title is not transferred for 10 years after receiving the loan.

    Tier Two - Moderate Income Households:

For households with a gross annual income between 50% and 80% of the area median income. Repayment of the entire loan is deferred until the house sold, title is transferred or in some cases the mortgage is refinanced.

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Loans

Greater Ramsey County First Time Home Buyer Loans

Ramsey County is pleased to be able to offer home purchase financing to make suburban homeownership more affordable. FirstHome is available through local lenders on a first-come, first-served basis. FirstHome is a no interest deferred second mortgage that are not repayable until the home is sold. Buyers and lenders may refer to the program fact sheets for more detailed information. FirstHOME is available to low and moderate-income, first-time buyers who are purchasing homes in Ramsey County communities outside of Saint Paul.

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Anoka County Home Energy Loan Program

This program provides assistance to owner-occupied households within Anoka County (except Coon Rapids) to make improvements on heating systems to reduce energy costs. This program will replace furnaces, boiler systems and water heaters with Energy Star-rated products. Other eligible improvements include insulation, weatherization and programmable thermostats. This is a zero percent loan and will be forgiven in the 11th year after improvements are made. If the property is sold, transferred or no longer the principal place of residence within ten years, the recipient shall repay the loan. Income limits and other criteria apply.

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MHFA Fix Up Fund Loan

This is a home improvement loan for up to $35,000 with a maximum term of 20 years. The interest rate is fixed for the term of the loan. Contact the HousingResource Center™ for the current interest rate. The Fix up Fund loan is available to credit worthy owner-occupied homes that are one to four units. To qualify for the loan gross household income cannot exceeed $96,600. Most improvements qualify except for luxury items such as swimming pools.

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Minnesota Rental Property Loans -MHFA

Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

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Ramsey County Deferred Loans and Grants

This zero interest loan is for owner-occupied, single family properties in Suburban Ramsey County. Maximum loan is $15,000 for home improvements necessary to meet minimum housing quality standards. Eligible properties must be at least 15 years old and meet the estimated market value limit. Condominium and townhomes are eligible for interior repairs only. The loan is divided into two tiers:

    Tier One - Low Income Households:

For households with a gross annual income at or below 50% of the area median income. The loan is forgiven at a rate of 10% per year. The loan is completely forgiven if the home is not sold and title is not transferred for 10 years after receiving the loan.

    Tier Two - Moderate Income Households:

For households with a gross annual income between 50% and 80% of the area median income. Repayment of the entire loan is deferred until the house sold, title is transferred or in some cases the mortgage is refinanced.

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Washington County Owner-Occupied Residential Deferred Loan Program

A 0% interest deferred loan for a maximum of $15,000. The loan is available to low-income individuals within areas of Washington County who own a single-family home, town home, condo, or twin home. Income limits apply to this program, and are at 60% of the area median. For example, a family of 4 would earn no more than $50,400 to qualify. The loan funds can be used for basic interior and exterior home improvement projects. Eligible properties must have taxable market values below the following limits: $212,000 for households of 4 or less & $249,000 for households of 5 or more. Note: All areas of Washington County are served except Denmark Township, Marine On St. Croix, Woodbury and Grey Cloud Island Township

 

 

 

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