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The extreme weather fluctuations in Minnesota take their toll on homes. Exterior decay often leads to interior damage, such as ceiling stains and wet basements. The average life cycle of components such as roofs, siding, water heaters and furnaces is around 20 years.

Home repairs are costly and can quickly exhaust the average family's savings. That is why Eden Prairie developed the Housing Rehabilitation Loan Program, which helps low and moderate-income homeowners maintain their homes and properties.

To be eligible for this program, the applicant must own and live in the home, and have a gross, combined income below the following HUD income limits, which are shown according to the number of persons in a household:

 # OCCUPANTS

 INCOME LIMITS

 1

 $44,750

 2

 $51,150

 3

 $57,550

 4

 $63,900

 5

 $69,050

 6

 $74,150

 7

$79,250

 8

 $85,350


Interest-free, deferred loans are available on a first-come, first-serve basis to residents whose homes need repair. Loan repayment is deferred until the home is sold, or in 30 years, whichever occurs first. The loan can be repaid early. Most home improvements are eligible through this program, including safety, energy and building-code related items.


Typical repairs and replacements include

  • Furnace/HVAC
  • Water Heater
  • Doors/Windows
  • Roof
  • Siding
  • Electrical
  • Plumbing
  • Insulation
  • Driveways
  • Stoop and sidewalks
  • Appliances
  • Well Abandonment
  • Foundation Repair
  • Gutters
  • Exterior Painting

Cosmetic improvements, room additions and decks are not eligible, except under special circumstances.

Eden Prairie Rehabilitation Loan Application [PDF]




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Last updated: 1/2/2014 10:24:08 AM