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News Release
Release No. STELPRD4023768
Printable Version  Printable Version

ST. PAUL, Minn., May 06, 2014 -- Contact:

Nikki Gillespie, (651) 602-7786

USDA Rural Development Home Repair Loans and Grants Available

ST. PAUL, Minn. – USDA Rural Development is gearing up to help local homeowners finance home improvements through low-interest loans and grants.

With spring just around the corner, now is a good time for homeowners to evaluate the need for necessary home repairs . Minnesota weather can be very unpredictable, so it’s important that each individual and family has a safe and sustainable home that will last for years to come. Rural Development’s Direct Home Repair Loan and Grant programs are designed to help eligible, low-income households who own inadequate but repairable housing.

Qualified projects can include repairing or replacing a roof, winterizing, purchasing or repairing a heating system, structural repair, water and sewage connect fees, and similar uses.

Take it from Beverly Lawyer, a recent widow needed substantial repairs to her home.

“With little retirement money remaining and getting by with only one Social Security check, it was a stressful, terrifying time for me,” Lawyer said.

Lawyer’s home needed a new roof to meet local building codes, a new furnace, and work to submerge the well pipe ten feet into the ground to prevent freezing in the winter.

With some help from the staff at her local Rural Development office, Lawyer was approved for a 20-year loan at 1 percent interest.

“Thank you is not enough to express my appreciation and gratefulness to USDA and the local staff who helped me with this affordable option,” Lawyer said. She is grateful and happy to have a safe, warm home year-round. “My story is nothing less than a beautiful miracle!”

Applicants must own and occupy the home, and their income may not exceed guidelines established by county and household size. Income limits vary by county and increase for larger sized households.

Applicants must also have an acceptable credit history, show repayment ability, be unable to afford a conventional loan and live in a community with a population of 20,000 or fewer.

The maximum loan is $20,000, repayable over 20 years with a one percent interest rate. Grants of up to $7,500 are also available to homeowners over the age of 62 and must be used to remove health or safety hazards.

For more information on our housing programs, please visit or call 651.602.7800 to find the local Rural Developent office that serves your community.


USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users)

Last Modified:11/20/2014 
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