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Other Financial Resources

Community Action Duluth’s (CAD) Home Repair Matched Savings IDA Program

Provides low-income homeowners at or below 80% of the Area Median Income with an opportunity to save and have their savings matched to use to make home repairs or improvements. Participants will complete a financial literacy class, a post-purchase class; have an energy audit and a home inspection which will help to determine their home repair plan.  Contact Community Action Duluth at 218-726-1665 or visit for more information.

Minnesota Housing Fix-up Fund

Provides loans at below-market interest rates to homeowners with a gross annual income of up to $96,500.  The maximum loan amount is $35,000.  Loans may be used for improvements to the livability, accessibility, or energy efficiency of a home.  Participating lenders include: One Roof Community Housing, North Shore Bank of Commerce, Park State Bank, TCF National Bank, Minnesota.  Contact a participating lender or Minnesota Housing at 1-800-710-8871 or visit for further information.

One Roof Community Housing Rehab Loans

One Roof Community Housing offers the following loan programs for home improvement: One Roof Revolving Loan Fund (RLF), Fix-up Fund and Community Fix-up Fund, MHFA Rehabilitation Loan Program.  Contact One Roof at 218-727-5372 or visit for more information.