Home Energy Loan Program

Last updated: July 18, 2019

Program Overview

Implementing Sector:State
Category:Financial Incentive
Incentive Type:Loan Program
Web Site:http://www.mncee.org/Find-Programs-Financing/Home-Energy-Loan//
Administrator:Center for Energy and Environment
Eligible Renewable/Other Technologies:Geothermal Heat Pumps
Eligible Efficiency Technologies:Water Heaters, Lighting, Furnaces, Boilers, Air conditioners, Duct/Air sealing, Building Insulation, Windows, Doors, Custom/Others pending approval
Maximum Loan:$20,000
Loan Term:Up to a 120 month loan term
Interest Rate:4.99%


The Home Energy Loan Program is a statewide program of the Minnesota Housing Finance Agency administered by the Center for Energy and Environment Financial Resources. It offers low interest loans to homeowners who want to make energy improvements to their properties. Eligible improvements include water heaters, furnaces, air conditioners, building insulation, windows, and doors. Custom improvements may be eligible as determined by the program administrator.

The property should be single-family (1-4 units) residential. There is no maximum annual household income limit. Loans are secured through a mortgage on the property. 

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