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Options for Grants and Loans


Minnesota Housing’s unsecured home energy efficiency loan

The Minnesota Housing Finance Agency now offers new unsecured home energy efficiency loans through its Fix Up Loan Program. Homeowners are now able to borrow up to $15,000 at a 4.99% interest rate without placing a lien on their property. Learn more.

Energy Funding Opportunities

The Minnesota Department of Commerce, Division of Energy Resources produces a list of state and federal funding opportunities on a regular basis. The list includes solicitations of proposals for energy grant funding or other incentives from a wide variety of organizations.

Utility Grant Programs

There are a variety of grant programs for efficiency improvements and renewable energy installations. A summary of these programs is provided below.

  • Dakota Electric Association - Commercial and Industrial Custom Energy Grant Program

  • Lake Region Electric Cooperative - Commercial Energy Efficiency Grant Program

  • Minnesota Power - Power Grant Program

  • Otter Tail Power Company - Commercial & Industrial Energy Efficiency Grant Program

  • Otter Tail Power Company - House Therapy Program

  • Xcel Energy - Renewable Development Fund Grants

Federal Grant Programs

  • Tribal Energy Program Grant

  • U.S. Department of Treasury - Renewable Energy Grants

  • USDA - High Energy Cost Grant Program

  • USDA - Rural Energy for America Program (REAP) Grants

Federal Loan Programs

  • Clean Renewable Energy Bonds (CREBs)

  • Energy-Efficient Mortgages

  • Qualified Energy Conservation Bonds (QECBs)

  • U.S. Department of Energy - Loan Guarantee Program

  • USDA - Rural Energy for America Program (REAP) Loan Guarantees

For detailed information on these grants and loans, visit the Database of Incentives for Efficiency and Renewables website.