CDA Home Improvement Loan Program

The CDA’s Home Improvement Loan Program assists low- and moderate-income homeowners with making repairs and improvements to their homes, including roof and furnace replacements, windows and siding, electrical and plumbing repairs, and more. 

Features of this loan include:

  • Zero Percent Interest
  • No monthly payment 
  • Repayable when ownership changes or you move from the property. You may be required to repay the loan if you refinance your home or take out a home equity loan.
  • $15,000 loan minimum; $35,000 loan limit

Common projects include:

  • Windows and Siding
  • Furnace replacement
  • Electrical and plumbing repairs
  • Insulation
  • Improvements for special needs, such as ramps, bathroom or kitchen modifications

Do I qualify?

Eligible applicants must:

  • Own their home
  • Have sufficient equity in the property
  • Have a satisfactory credit history
  • Have a gross annual income with the program income limits (listed on the CDA website referenced below).

If you have questions about this home improvement loan, please contact the Dakota County CDA at 651-675-4462.

To learn more about or apply for this loan, please visit the Dakota County CDA’s Home Improvement Loan Page.