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Home Repair and Improvement Loans - Saint Cloud Housing and Redevelopment Authority - HRA

1225 West Saint Germain Street, Saint Cloud, MN 56301

Eligibility
  • Income limits apply. Must own primary residence and not have more than 2 dwelling units. Mobile homes are not eligible unless they are on a permanent foundation and the owners own the land. Asset limit does not include personal property, the home being improved, or 2 surrounding acres.
  • Serves Saint Cloud
Required documents
  • Application and all required materials
  • Rental Rehab Deferred Loan (RRDL) program applications or questions should be directed to Shannon Adamski ([email protected]) or by calling. Applications are accepted and reviewed on a first-come, first-served basis.
Hours
8 am - 4:30 pm Monday - Friday
Interpretation services
Interpreters available for scheduling
Application process
Call; visit website; walk in
Fees
Vary
Service area
Saint Cloud, MN Saint Cloud, MN

Other Information

Program Fees

  • Sliding Scale/Reduced Fee
Single Family Homes Community Development Block Grant (CDBG) Loan Program Homeowners may receive a maximum of $25,000 for basic home improvements such as windows, siding, electrical wiring, plumbing, roofing, heating, energy-saving improvements, or improvements to meet the needs of a disabled person. The primary focus of the funds is to be used for health, safety, and weatherization issues. The loan is "deferred," meaning that it is interest-free and requires no monthly payments. It is a mortgage that will be filed on the property. Clients need to pay the loan back in full when they sell the property or refinance the property, if it ceases to be the client's primary residence, or after 30 years. Homestead Incentive Program To aid in the revitalization of Saint Cloud Core Neighborhoods and help counter the trend of non-owner-occupied homes. The Saint Cloud HRA will provide an incentive to qualified buyers who purchase and homestead a Saint Cloud Core Neighborhood property with a deferred loan of $3,000. MHFA Rehab Loan Program Homeowners may receive a maximum of $24,999 for rehab of health, safety, and/or weatherization-related issues if they are within the city limits of Saint Cloud and the home is owner-occupied. The loan is "deferred," meaning that it is interest-free and requires no monthly payments. It is repayable at the time of sale, refinance, or ceasing to be the owner's primary residence, or forgiven after 15 years. Multi-Family Homes Rental Rehab Deferred Loan (RRDL) Program Saint Cloud HRA has received RRDL funding for properties within the city limits and is available to eligible properties. RRDL funding is provided to approved owners and properties as a 0% interest deferred loan. Funds can be used to cover the costs of eligible project soft costs and rehabilitation items. Common rehab items include roofing, siding, windows, doors, floor coverings, painting, appliances, plumbing, HVAC and mechanical systems. RRDL funding is only available to properties meeting rent and tenant income limit requirements. In addition, owners of approved projects must agree to maintain rent and income limits for a set compliance period based on the term of the loan. Please note, only completed applications with all required attachments will be accepted.
Last Assured
12/17/2025
Providing organization
Saint Cloud Housing and Redevelopment Authority - HRA

Works to enhance the City of Saint Cloud by providing affordable housing opportunities that promote self-sufficiency and collaboration for neighborhood revitalization.