Homeowner Resources

Programs for Qualifying Ramsey County Residents:

Emergency Assistance

If you are concerned about interruptions in your income and paying your bills, Ramsey County is available to help with Emergency Assistance (EA) and Emergency General Assistance (EGA). EA and EGA help with shelter, such as past due rent/mortgage or a damage deposit. EA and EGA also help pay for utilities, including electricity, heat and water, when there is threat of disconnection. For eligibility guidelines and more information, visit Ramsey County's website

Energy Conservation Deferred Loan

Up to $10,000 is available to qualifying residents of Ramsey County for select energy conservation upgrades, including new furnaces, boilers, and insulation. Make no payments, pay no interest, and owe nothing when you own your home for ten years! Income restrictions apply. Contact the Center for Energy Connection (CEE) at 651-789-5706 or visit the Center for Energy Connection website for more information.

Low Income Energy Assistance Program

The Energy Assistance Program (EAP) helps pay for home heating costs and furnace repairs for income qualified households.  Grants are available for renters or homeowners, for households with income at or below 50 percent of the state medium income, and based on energy cost, household size, and income.  For more information on the application process call 800-657-3710 or visit the MN Commerce website

Manufactured Home Repairs

Rebuilding Together MN provides repairs for low-income owners of manufactured homes in suburban Ramsey County. Homeowners can apply for help through their website. When filling out the application, be clear that the repair is to a mobile home. For general information, call 651-776-4273. Program contact: Nels Johnson (n.johnson@rtmn.org). Rebuilding Together Minnesota website

Minnesota Housing Fix Up Loan

This is a home improvement loan for up to $50,000 at a fixed interest rate for improvement projects for up to 20 years. These loans can be used to repair, remodel, or make energy saving improvements. Visit the Minnesota Housing website for more information.  


Metro Paint-A-Thon helps low-income seniors and people with permanent physical disabilities in the seven metro county area continue to live independently in their own homes. Each summer, particularly the first weekend of August, teams of volunteers will scrape, prime, and paint exteriors of homes, garages or other structures at no cost to the homeowner. Interested homeowners and agencies can find more program details, including eligibility requirements by visiting the Paint-A-Thon website. Questions about Metro Paint-A-Thon? Contact 651-636-0797.

Ramsey County Homeownership Preservation Program

The Ramsey County Homeownership Preservation Program (RCHPP) assists homeowners at 80% area median income (AMI) or below in suburban Ramsey County (excluding the city of St. Paul) with past due housing payments due to COVID-19 related financial issues. Eligible payments include mortgage, homeownership association (HOA) dues, water bills, homeowner’s insurance and property taxes. Expenses must have occurred after January 23, 2020. Total amount awarded cannot exceed $35,000. Residents can call the Minnesota Homeownership Center for a pre-screening at 651-659-9336 or visit Ramsey County Homeownership Preservation Program - NeighborWorks Home Partners (nwhomepartners.org) for more information and to apply.

Residential Rehabilitation Deferred Loan Program

Home improvement deferred payment loans for up to $27,000 may be used for basic and necessary improvements that make your home more livable, more energy efficient, or more accessible for disabled persons. There is no interest and no monthly payment. Income restrictions apply. Visit the Minnesota Housing website for more information.