Home Improvement Grants & Loans

Free Remodeling Advisor Visits

Not sure where to begin? This FREE service for Fridley homeowners includes a visit to your home to assist with remodeling ideas, evaluate necessary repairs and improvements, and assist with reviewing bids. Call 612-335-5884 to schedule an appointment .

Energy Programs

A variety of energy assessment programs are available to help reduce your energy use and make your home more comfortable.

Home Energy Squad

Receive a personalized home assessment from the experts at Home Energy Squad! Trained energy professionals will visit your home to install on-the-spot energy saving devices and provide recommendations on the most cost-effective ways to reduce your energy use. 

What to expect:

• Installation of energy saving materials such as door weather-stripping, a programmable or smart thermostat, LED light bulbs, a water heater blanket, and high efficiency water fixtures.

• Perform a blower door test to measure your home for air leaks.

• Complete an insulation inspection using an infrared camera.

• Perform safety checks on your heating system and water heater.

• Recommend cost-effective energy upgrades.

• Help you plan next steps.

This program is provided by CenterPoint Energy and Xcel Energy. A 50% discount is provided to all Fridley residents. Energy Saver visits will cost $35 and Energy Planner visits cost $50. Free visits are available to income-qualified properties. Visit the Home Energy Squad page to learn more and sign up. 

HERO Program

The Homeowner Efficiency Redo Opportunity (HERO) is an income-qualified program offered by CenterPoint Energy that provides homeowners a free energy review and then pays 50% of the cost for qualifying installed weatherization and high-efficiency equipment upgrades. Learn more at https://www.mn-hero.com/.

Home Energy Savings Program

The Home Energy Savings Program is an income-qualified program offered by Xcel Energy that provides homeowners and renters free replacement of in-efficient appliances and AC Units. Learn more at https://www.src-mn.org/what-we-do/hesp.html.

• 2 percent fixed rate*
• Loan amounts from $1,000 - $50,000 - perfect for any size project
• No income limits
• Affordable payments with terms up to 20 years
• Available for single-family homes

*Interest rates are subject to change following action by the HRA Board

Learn more and apply online for the Low Interest Loan.

Applications for 2025 funding will be accepted by Center for Energy and Environment on a rolling basis beginning in January.

• 0 percent interest rate
• $5,000 minimum and $20,000 maximum loan amount
• At least one property owner must be at least 62 years old
• Funding is limited to households earning 60 percent of Area Median Income (AMI)(PDF, 6KB) or less based on the most recent federal tax return
• Residential properties eligible
• Eligible improvements are most interior and exterior projects
• Loan approval is subject to credit and program guidelines
• Borrower can have multiple loans on the property at one time, but the outstanding amount cannot exceed $20,000. The outstanding balance of all Fridley loans cannot exceed $75,000. Only one deferred loan can be outstanding at a time .

Applications for 2025 funding will be accepted by Center for Energy and Environment on a rolling basis beginning in January.

This loan provides assistance for major remodeling projects, to income-qualified homeowners.

• Loan term up to 30 years. If the borrower has not sold or transferred title and still occupies the property 30 years from the date of the loan, the loan is 100% forgiven.
• Income limit is 80% AMI(PDF, 6KB) based on household size and adjustable gross income from the most the borrowers' most recent Federal Tax Return.
• Borrower can have multiple loans on the property at one time, but the outstanding amount cannot exceed $20,000. The outstanding balance of all Fridley loans cannot exceed $75,000. Only one deferred loan can be outstanding at a time.
• Closing costs apply.
• Funds are held in a non-interest bearing escrow account at CEE from loan closing until the work is completed and all final documentation is received.

• 2 percent fixed rate*
• $10,000 maximum loan amount
• No income limits
• Most interior and exterior improvements are eligible

*Interest rates are subject to change following action by the HRA Board

Learn more and apply online for the Mobile Home Improvement Loan.

• 2 percent fixed rate*
• $50,000 maximum loan amount
• No income limits
• 1-12 unit properties are eligible
• Eligible improvements include corrections to code violations, interior and exterior structure improvements

*Interest rates are subject to change following action by the HRA Board

Learn more and apply online for the Multi-Family Exterior Loan.

The intent of this program is to provide an additional incentive for first time home buyers to move to Fridley. The loan carries no interest and payment is deferred until the property is sold, refinanced, transferred or is no longer owner-occupied.

Loan Terms / Eligibility

• Loan amounts up to $10,000 for households earning 80% AMI or less(PDF, 6KB), and $5,000 for households earning more than 80% and less than 110% AMI(PDF, 6KB). Income limits are based on household size.
• 0 percent annual percentage rate (APR)
• The loan is deferred until the property is sold, refinanced, transferred or is no longer owner-occupied, or after 30 years.
• Financing is secured by a mortgage on the property
• Closing costs apply
• Borrower must be considered a first-time homebuyer as defined by someone who hasn’t owned a home within the last three years.
• Prior to closing the homebuyer(s) MUST attend a Home Stretch workshop or other valid homebuyers course offered through an approved counseling agency by the US Department of Housing and Urban Development (HUD).
• One to four unit, owner occupied buildings
• Single family, townhomes, duplexes, condominiums, and properties held in a trust are eligible

Apply for the Down Payment Assistance Loan

An emergency is defined as a condition that makes a house uninhabitable, extremely dangerous to the occupants, or is capable of causing severe health problems.

• 0 percent (0.125 percent APR)*
• No monthly payments.
• Loan amounts from $500 to $10,000.
• *APR based on $10,000 for 30 years.

Learn more and apply for an Emergency Deferred Loan.

Fridley HRA Loan Payoff Information can be obtained by contacting the Center for Energy & Environment's Loan Servicing staff. 

Please note: Application deadline for this grant is Sunday, March 15, 2026.

• Apply online for a Front Door Grant
• View a guide to completing an online grant application(PDF, 286KB)

This program is meant to provide an incentive for homeowners to increase the “curb appeal” of their home (and the City) by making improvements on the street side of their home. Regardless of visual impact, "basic" routine maintenance projects (such as replacing siding or replacing roofing) may be included with a Front Door Grant only alongside at least two of the specified Beautification projects.

Grants are provided to pay for a portion of the improvements. Project tasks are considered either Basic or Beautification and the Grant amount varies based on type of work being completed.

Eligibility 

To be eligible for this program and receive the minimum grant of $1,000, homeowners must invest a minimum of $4,000 in two separate projects from the specified "Beautifications Projects" listed below.

Grant amount ranges from $1,000 up to $5,000. Beautification Projects are reimbursed at 25% of project cost. (Optional) Basic Projects are reimbursed at 15% of project costs.

Other requirements: 

• Owner-occupied, homesteaded, single family or duplex property
• Current on property taxes, with no outstanding financial obligations to the City or County
• Property valued at less than $425,000 (Verify via Anoka County)
• Beautification project must be visible from street in front of home. (Projects not visible from the street may be included as Basic elements.)
• Work may not begin until project approval by City and HRA
• Applicants may have received prior Fridley HRA Grants in previous years; however, priority will be given to those who have not previously received a grant
• Projects must include at least two separate items and at least $4,000 worth of work from the Beautification Project list

Beautification Projects

Reimbursement: 25%, up to a maximum grant amount

Two separate projects; visible in the front yard; totaling at least $4,000 worth of Beautification Project work required. All items may be new additions, or replacement of existing, unless otherwise specified.

• Entry
  • Front door and/or storm door
  • Garage door
  • Front porch or front steps
  • Columns at front door
• Windows
  • Sidelight or transom windows by front door
  • Enlargement of window openings by at least 25% (calculated per individual window) or addition of window(s) to area that did not previously have a window
  • Window boxes & shutters
• Exterior
  • Brick or stone facade accents
  • Decorative shakes or board and batten siding
  • Architectural accents, including decorative lighting and address plaques (minimum $250)
  • Alter roofline on front of home
• Site Improvements
  • Permanent landscaping, including tree replacement (minimum $250)
  • Driveway & sidewalk repair or replacement
  • Screening of utility boxes, garbage/recycling cans
  • Decorative fence in the front yard

Optional - Basic Projects

Reimbursement: 15%, up to maximum grant amount

• Eligible routine maintenance of permanent home systems (e.g., repainting; replacing siding, roofing, or windows that do not qualify as Beautification work)
• Eligible permanent exterior upgrades, that do not qualify as a Beautification work or are not visible from the street in front of the home
• Eligible permanent interior upgrades, including but not limited to major remodeling, building an addition, or finishing previously unfinished space

How to Apply

• Apply online for a Front Door Grant
• View a guide to completing an online grant application(PDF, 286KB)

You will receive an automated notification once your online application is received.

Applicants who have applied by the Front Door Grant Application Deadline of March 15, 2026, will be notified of their grant status the following week. Please do not contact the City to inquire about your grant status prior to March 23, 2025.

Readiness Scores (Optional)

If applications exceed available funds, grants will be awarded by lottery, amongst eligible applicants. Priority will be given to those who have not previously received a Front Door Grant, and those who demonstrate project “readiness”.

The following optional items will be reviewed to determine a project’s Readiness Score (ranging from 0-7 points). Items should be submitted at the time of application to be included in a Readiness Score. Applicants with a higher Readiness Score will have a higher probability of being selected for funding.

Bids should be dated within a year of the application. Consultations should have been completed since January 2023. Readiness Scores will be calculated based on the following materials:

+2 points: Applicant submits one bid, or, for DIY projects, a materials & price list

+2 points: Applicant submits additional bids, or, for DIY projects, a detailed implementation timeline including start & end dates of project components

+2 points: Applicant has received written recommendations following a visit from Fridley's contracted Remodeling Advisor (since January 2023). Written recommendations following a site visit from an impartial professional, including a licensed Architect or Landscape Architect or local agency staff will also be considered. (Recommendations from private Sales Representatives do not qualify.)

+ 1 point: Applicant has completed a Home Energy Squad Visit and received written recommendations (since January 2023)

If You Are Selected For Funding

If selected for a grant, staff will send you a list of Next Steps. If not selected, you will receive a waitlist notice or notice of ineligibility.

A grant Participation Agreement(PDF, 214KB) will be prepared based on the final bids (or materials lists) submitted to the HRA. (Alternately, if you submit bids at the time of application, you can confirm that you will be proceeding with the bids.) Your maximum grant amount will be determined at this time and cannot be increased. Funds are reserved for your project once the Grant Participation Agreement has been signed. If a Participation Agreement is not returned by April 13, 2026, funds may be made available to other housing program applicants.

All 2026 Projects should be completed by November 1.

The City of Fridley tree programs are currently closed. The City's Annual Tree and Native Plant sales opens July 1st of each year.

For more information, visit Trees & Community Forestry page.

Increased insulation may improve your home's efficiency and comfort. This program will match utility (CenterPoint Energy or Xcel Energy) insulation rebates up to $500 for projects completed after January 1, 2022.

Program Guidelines and Eligibility:

• Rebates available for attic air sealing, attic insulation, wall insulation, and rim joist installation projects that have received a utility insulation rebate.
• All insulation work must have been completed after January 1, 2022.
• The program only matches utility rebates; installer or manufacturer rebates do not qualify.
• Receipt of utility rebate is required. Applicants must submit their application, including a copy of their utility rebate check or an itemized invoice documenting receipt of an Instant Rebate, within 60 days.
• The Fridley rebate check will be issued to the same person listed on the utility rebate.
• Rebate is only available to properties of 1-4 units.
• Funding is limited and subject to availability. Rebates will be approved based on order of receipt.
• Checks will be mailed to recipient 2-3 weeks after application submission.

• Apply online for an Insulation Rebate
• View a guide to completing an online grant application(PDF, 286KB)

More Information

• Home Energy Squad Visit
• CenterPoint Energy Insulation Rebates
• Xcel Energy Insulation Rebates

Improvements to your home's building envelope (e.g., windows, doors, and insulation) may qualify for tax credits under the Inflation Reduction Act of 2022. (Credits will be available through 2032.) Learn more on the ENERGY STAR website.

Questions? Email Nancy.Abts@FridleyMN.gov or call 763-572-3593.

Receive a rebate of $100-150 for the purchase of water-efficient appliances and irrigation systems. Learn more on the water rebate page.

Note: Do not purchase supplies or begin your painting project before receiving a signed Participation Agreement from HRA Staff. Projects should be completed within four months of applying for the rebate.

How to Apply

• Apply online for a Residential Pant Rebate
• View a guide to completing an online grant application(PDF, 286KB) 

This program was developed to eliminate blight, preserve and improve the appearance of neighborhoods by providing rebates of up to $500 for cost of materials and supplies for exterior painting of eligible homes, by low- and moderate-income families. Maximum rebate of $500 for single family homes, and up to $350 per unit (not to exceed $1,400) for owner-occupied multi-unit properties.

Eligible Applicants:

• Homeowners: Owner occupant, holding title to the property. Household Income may not exceed 110% of Area Median Income (AMI)(PDF, 6KB)
• Owners of Rental Property: Up to four unit-buildings; owner must live in building. Household income may not exceed 110% AMI(PDF, 6KB)

View max income limits for 2024(PDF, 6KB)

The Metropolitan Council Environmental Services (MCES) has launched a private property inflow and infiltration (I/I) grant program. The program provides private property owners with repairs that will remove and prevent clear water from entering the wastewater treatment system.

Please note: No retroactive pay is permitted for past projects.

Why is I/I a problem?

Inflow and infiltration is clear water (stormwater and groundwater) that enters the sanitary sewer system. Because the sanitary sewer system was not designed to handle this excess clear water, it becomes overloaded during times of high groundwater or heavy rainfall. This can cause basement flooding or bypassing of raw wastewater to local streams and lakes.

Eligibility and Eligible Projects

Grant awards may be 50% of eligible costs up to $5,000. Grants to private property owners shall be for a percentage of actual, reasonable, and verifiable I/I mitigation costs. No costs of studies, engineering, or planning shall be eligible. Qualified spending on eligible work must occur between January 1, 2025, and December 31, 2025. 

Examples of Eligible I/I Repairs

• Private sewer service lateral repair and/or replacement where I/I is present.
• Foundation drain disconnections and new sump pump, if associated with the foundation drain disconnect
• Sewer service lateral inspection and cleaning costs if televising and cleaning result in the repair or replacement of sewer lateral that reduces I & I.

How to apply for the grant

1. Contact Utilities Manager Jason Wiehle by email and inform him that you would like to participate in the Private Property I/I Grant Program, leave your name, address and phone number.
2. During the application process, you will be asked to submit:  
   • A televising video showing signs of I/I to review
   • The application paperwork
   • Contact information for the contractor of your choice including a quote for the cost of repairs. 
     • It is recommended you receive multiple quotes for the work needed. 
3. Once the City confirms the I/I issue, the contractor must apply for a sewer repair permit.
4. The contractor will be asked to submit the repair quote with the permit application.
5. The City then determines the award amount, which will be 50% of the repair costs up to $5,000. Or if income-qualifying, 50% of repair costs up to $10,000.

After the application is approved

1. The Homeowner pays the contractor the invoice amount and is then reimbursed  the grant award amount. 
2. Grant funds will be distributed in the order the projects are approved until the funding is depleted.
3. The approved work must be completed within 30 calendar days of being approved by the City for the grant program, or the funds will be reallocated to the next Resident in line to have I/I work completed.
4.  Once everything is confirmed, the City will approve the permit, and the contractor can begin repair work.
5. The City will inspect and approve the repair work prior to completion.

Questions?

For the 2025 Private I&I Grant Program, the City of Fridley has $35,000 in grant funds available and will be distributed on a first-come, first-serve basis. If you have any questions or concerns throughout any part of this process, do not hesitate to contact Jason Wiehle.  

Plan Now for Your 2025 Home Improvement Projects

Planning ahead for next construction season can save you money and time in the long run.

1. Prepare a list of possible projects. If you are considering energy efficiency upgrades, this is a great time to contact the Home Energy Squad to schedule a visit (information above). For general improvements, the Fridley HRA offers a no-cost Remodeling Advisor service (information above).
2. Contact professional contractors to bid the work or begin preparing materials lists and implementation timeframes for DIY projects. It is always a good idea to consider prices from 2-3 sources, as pricing will vary.
   • Some contractors—particularly for landscaping projects—will not be able to give an accurate price estimate when the ground is covered in snow, so do not wait to contact firms. Winter can be an ideal time some types of landscaping projects, including tree trimming and removal.
   • Ask friends and neighbors for advice on finding a contractor. The City of Fridley cannot provide referrals.
3. Develop a financing plan. Once you have an idea of project costs & when they will be incurred, it’s time to plan your financing. Will you put money into savings extra each month until the project begins? Will you set aside your tax refund? Will you apply for a grant or loan?
4. Applications for Fridley’s Deferred Loan Programs are available on a rolling basis. (Low-interest loans are available year-round.) Front Door Grant applications are due in spring. These programs can help fund most types of permanent property improvements.
5. Research permit requirements on the Permits webpage.
   • Many types of property improvements require a permit & city inspection, in order to ensure that work is completed safely. If a contractor is performing the work, they will typically be the one to apply for required permits. However, the property owner is ultimately responsible.
   • Building permits are valid for 180 days (six months) after approval, so wait until you are ready to begin work to submit an application.

Anoka County offers additional information for homeowners and renters, including home buying information, additional finance programs, fair housing, senior housing, foreclosure prevention and more.

Improvements to your home's building envelope (e.g., windows, doors, and insulation) may qualify for tax credits under the Inflation Reduction Act of 2022. (Credits will be available through 2032.) Learn more on the ENERGY STAR website.