Housing Programs & Energy Assistance

Energy Audit Waiver
The City of Roseville and Xcel Energy have teamed up to give 200 Roseville residents a free $60 standard audit:

  • Application (PDF- Download to print and submit)
  • Learn if your home is wasting energy
  • Learn ways you can improve your home's energy efficiency

For Energy Conservation

The Neighborhood Energy Connection (NEC) helps you obtain 0% financing on a 10 year forgivable loan for up to $6,500:    FirstHOME Buyer Assistance Program 
This is a Ramsey County program that helps first home buyers purchase homes more affordably by providing deferred loans that can be use for down payment assistance, closing costs, and occasionally, health/safety/code improvements:
  • Fact Sheet (PDF)
  • Income and employment history qualifications apply
  • Buyers must complete an approved home buyer training
  • Buyers must also qualify for VA, FHA, or Fannie Mae conventional mortgage
For Home Improvements
The Roseville Home Improvement Loan provides loans up to $40,000 at a rate of 3% with terms up to 10 years.  
  • Fact Sheet (PDF)
  • Home must be at least 25 years old
  • Increase energy efficiency, indoor air quality, water conservation
  • Make interior and exterior improvements
For Basic Repairs 
The Ramsey County deferred loan program provides 0% loans of up to $15,000 to single family homeowners for basic repairs. Loans are forgiven at 10% per year with complete forgiveness after 10 years of continuous ownership.
  • Fact Sheet (PDF)
  • Increase energy efficiency, indoor air quality, water conservation
  • Make interior and exterior improvements
For Livability, Accessibility & Energy Conservation
The Minnesota Housing Finance Agency (MHFA) offers fix-up fund loans and rehabilitation loans from $2,000 to $50,000 at low or even zero interest rates.
  • Do emergency repairs to ensure health and safety (very low income homeowners)
  • Fact Sheet (PDF)
  • Improve health and safety conditions
  • Repair, remodel, and improve your home's energy efficiency
  • Upgrade your heating system and replace windows

For Window Replacement Due to Lead

Ramsey County Department of Public Health along with several partners is working to address lead paint hazards in Ramsey County homes occupied by young children who are most at risk for lead poisoning.  Fact Sheet (PDF)
  • This program is available to both owner-occupied and rental property owners.
  • A child under age six must occupy the home.
  • The occupants must be at or below 80 percent of the median income, which is $60,000 for a family of four.
  • Window components must be deteriorated and painted with lead- based paint.