Fix-Up Fund Loans

The Fix-up Fund is a statewide program that offers affordable, low-interest fixed rate home improvement loans. MN Housing logo

Eligibility Requirements

  • Household income at or below $96,500 (income limit may be waived if the improvements are being made for the accessibility of a family member with a disability).
  • Property must be owner-occupied.
  • Single family homes, duplexes, triplexes or four-plexes are eligible.

Loan Features

  • Hire a contractor or do the work yourself.
  • Maximum loan term of 10 to 20 years based on the loan amount.
  • Loan amounts from $2,000 to $35,000.
  • Unsecured loans now available up to $10,000.
  • Lower interest rate available for funds that are used exclusively for energy conservation or basic accessibility improvements.
  • A higher loan amount may be available if the improvements are being made for the accessibility of a family member with a disability.

Eligible Home Improvements with the Fix-up Fund
Most improvements to the accessibility or energy efficiency of a home, or general repairs are eligible, such as:

  • windows
  • insulation
  • new furnace
  • central air conditioning
  • electrical wiring
  • new roof
  • garage
  • septic repairs

In addition to energy-saving upgrades, homeowners may also finance renewable energy improvements. These include solar thermal, solar electric and wind turbines/generators.


Ineligible Home Improvements Include:

  • swimming pools
  • hot tubs
  • gazebos
  • recreational or entertainment facilities
  • reimbursing or refinancing for improvements already done
  • mobile homes not on a permanent foundation and not taxed and financed as real property


Ready to Get a Loan?
 1. Decide on your project. Get contractor's bids or an itemized materials 
    estimate from a home improvement retailer for your proposed project.

 2. Select a Fix-up Fund lender at United Praiire Bank and contact them to get the
    loan process started. Find your lender

3. Your lender will help you apply and work with you to complete the loan
    process and close your loan.