Housing Trust Fund Program Options:


  • HRA matches employer contributions toward
    down payment or closing costs for the
    purchase of a home ($5,000 max)
  •  Low-interest, five-year installment loan


  • Up to $20,000 for homebuyer assistance
  • Acts as a soft second loan at zero percent

Down Payment Assistance << Brochure >>


  • General repairs and improvements that
    increase the health, safety and energy
    efficiency of the home

Owner Occupied Rehabilitation Assistance << Brochure >>

Owner-Occupied Application Packet << HERE >>

Rental Rehabilitation Assistance << Brochure >> 


  • Funding for pre-development costs, new
    construction, property acquisition, conversion
    of non-residential to residential use, conversion
    of rental units to relocation, and rehabilitation


The mission of the Brainerd HRA is to provide affordable housing and redevelopment opportunities to strengthen our neighborhoods. Working towards accomplishing that mission, we offer a variety of rehabilitation programs.

DEED Small Cities Development Program (SCDP) – CDBG

Through the Community Development Block Grant (CDBG) program, Congress appropriates money to states, which is then divided into the SCDP grants. The SCDP grants provide deferred loans—no payments or interest—for housing and commercial rehab.

Currently Available:


Owner-Occupied Rehabilitation (SE Brainerd) Brochure  –  Application

Single Family Rental Rehabilitation (City Wide) BrochureApplication


Owner-Occupied Rehabilitation Brochure


Owner-Occupied Rehabilitation Brochure

The Brainerd HRA has been successful at securing funds from this program for the past several years.

MHFA Rehabilitation Loan Program

The Brainerd HRA offers the Rehabilitation Loan Program, which assists low-income homeowners in financing basic home improvements that directly affect the safety, habitability, energy efficiency or accessibility of their homes.

The maximum loan amount is $37,500. Maximum loan term is 15 years for properties taxed as real property and 10 years for mobile/manufactured homes taxed as personal property located in a mobile home park.

All loans are forgiven if the borrower does not sell, transfer title, or ceases to occupy the property during the loan term.

Eligibility Requirements:

Used for Rehabilitation of

  • Single-family homes
  • Eligible one-unit dwelling in an eligible Planned Unit Development (PUD)
  • Townhomes
  • Condominium unit
  • Duplexes
  • Manufactured housing taxed as real or personal property

Eligible Home Improvements

Basic improvements to the livability, accessibility, energy efficiency and addressing lead paint hazards are eligible. Electrical wiring, furnace replacement, plumbing and septic repairs are just some of the possible repairs.


Interested in applying? Download an application here or the link below.

Download Application

Emergency & Accessibility Loan Program

Deferred, 0% interest emergency and accessibility loans are available to low income single-family homeowners through participating lenders. These loans address emergency conditions in the home or essential accessibility improvements for a disabled household resident.

Loan Amount:

Maximum loan amount is $15,000.
Minimum loan amount is $1,000

Eligibility Requirements:

Eligibility Improvements:

The proceeds of a loan shall be used to finance improvements which:

  • Are permanent and meet the minimum provisions contained in all applicable state, county, and municipal health, housing, building, fire prevention, and housing maintenance codes, or other public standards;
  • Are completed by building contractors that are licensed in the State of Minnesota;
  • Are used for repairs to a property damaged as a result of events beyond the Borrower’s control or as necessitated by a system or structural failure such as:
  • Failure of the heating, electrical, ventilation, or plumbing/septic system;
  • Roof leaks that have led to significant secondary damage to the home’s interior;
  • A structural failure of the foundation, walls, or roof of the home that could cause collapse;
  • An Environmental Intervention Blood Lead Level (EIBLL) of a household resident; or,
  • An accessibility need that prevents a disabled person from inhabiting the home.

Other Emergency Conditions that could cause the home to be or become uninhabitable will be considered by Minnesota Housing on a case-by-case basis.


Interested in applying? Download an application here or the link below.

Download Application