City of Rosemount

Posted on: August 1, 2017

Home improvement loans for Rosemount

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This information is provided by the Dakota County Community Development Agency.


Does your home need repairs that you can’t afford to make? The Dakota County Community Development Agency (CDA) may be able to  help.

The CDA’s Home Improvement Loan is an interest free loan program for low and moderate income homeowners in Dakota County. The loan is repayable when your home is sold or you no longer live there – there are no monthly payments. Loans range from $15,000 to $25,000.

The loan is commonly used for replacing roofs, siding, windows, furnaces, doors, and driveways. The CDA will inspect your home and work with you to determine the scope of the project. You will get bids, and a cost reasonable estimate will be selected. After loan papers are signed, the contractor can begin work. Payments will be made directly to the contractor once the work has been completed and approved by you and the CDA.

To qualify, you must be a homeowner, have sufficient equity, a satisfactory credit history, and a gross annual income under the limits in the following table:

Household sizeMaximum income
1$47,600
2$54,400
3$61,200
4$68,000
5$73,450
6$78,900
7$84,350
8$89,800


Income limits are as of April 2017 and are subject to change.

You can apply for a Home Improvement Loan by returning a completed application to the  CDA. Applications can be downloaded from the CDA’s website [download form] or call our Housing Rehab Coordinator at (651) 675-4469 to request an application by mail.

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