Rehab

The Douglas County HRA (DCHRA) is an approved lender for both Minnesota Housing Finance Agency’s Rehabilitation Loan Program (RLP) and the Emergency Rehabilitation Loan Program (ELP) as well as the Rural Development Housing Preservation Grant program (RDHPG) for both Douglas and Pope.  We administer Community Block Development Programs (CDBG) for awarded Cities inside those two counties as well.

These programs can help qualified households afford basic improvements to the safety, livability, energy efficiency and accessibility of the home as well as assist when an emergency is identified that threatens household members’ health and safety.   Project costs must be a minimum of $1,000.00 to qualify for assistance.

If an emergency is identified and there are other deficiencies that need to be addressed, the borrower could receive funding from multiple sources.

How much money could I receive for my home improvement project?

  • Rehabilitation Loan Program (RLP) – loan amounts determined by funder.

  • Emergency & Accessibility Loan Program (ELP) – loan amounts determined by funder.

  • Rural Development HPG program (RDHPG) – amounts determined by available funding.

  • Community Block Development Grant (CDBG) - amounts determined by available funding.

What are the terms of the loan?

All loans are deferred loans, anywhere from 10-15 years normally, which means no interest and no payments during the life of the loan.  The loan is forgiven when the term is reached provided the borrower occupies and owns the property during the entire loan term.

Home Repair Programs – Traditional Loans

If a homeowner is in need of serious life safety or livability repairs, but does not qualify for the deferred loans/grant discussed above, the DCHRA may have funding available in the form of a traditional, monthly payment, loan.  These funds are borrowed over a period of 5 to 10 year amortized term at 3% interest.   Loan amounts must be a minimum of $1,000.00 up to a maximum of $15,000.00.

Eligibility for all Rehabilitation Programs

  • Must be 18 of age or older

  • Occupy and own the property

  • Be current on any mortgage payments, if applicable

  • Be current on all property taxes

  • Have proof of home insurance

  • Have assets less than $25,000

  • Must meet current income limits

 Our mission is to provide safe, comfortable, and affordable housing, economic opportunity and a suitable living environment free from discrimination.