Minneapolis: 0% Energy Efficiency Loan

The City of Minneapolis is offering a 0% loan to help residents improve the efficiency of their homes through insulation and/or air sealing. To qualify for this limited-time offer the borrower must have received a Home Energy Squad visit within the last 3 years.

Click here to schedule your Home Energy Squad visit today.

Please call us at 612-335-5884 for complete program details.

Loan Terms

  • 0% APR
  • Borrowers must have received a Home Energy Squad visit within the last 3 years. 
  • Loan amounts up to $10,000
  • No income limit
  • Terms up to 5 years
  • No closing costs

Property Eligibility

  • Owner-occupied or absentee-owned residential properties located in the City of Minneapolis.
  • 1-4 units
  • Not Eligible: Properties under construction, greater than 4 units, co-operations, or used for commercial purposes.

Eligible Improvements

  • Attic Air Sealing. Attic air sealing is a prerequisite for attic insulation loan eligibility.
  • Attic Insulation. Attic insulation must be combined with attic air sealing for loan
    eligibility. Final insulation R-Value must be greater than or equal to R-50 when attic
    space allows.
  • Wall Insulation. All external wall cavities must be filled with insulation.
  • Health and Safety issues addressed when performing any of the work items above; water
    heater replacement due to combustion safety, radon and asbestos mitigation, knob and
    tube wiring and ventilation
  • 1 bid is required. Bid can be received during a Home Energy Squad Enhanced visit.


The current loan terms and conditions stated, including interest rates, do not constitute a commitment to lend or an offer to enter into an agreement, and that such an offer may only be made pursuant to Minnesota Statutes, Section 47.206(3) and (4).  (10-2014)