Southeast Como Senior Emergency Grant

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The intent of the SECIA Emergency Grant is to provide funds to owner-occupants of properties who face emergency home repairs and are unable to obtain funds to repair the problem(s) through traditional funding (loan) sources. 

The guidelines below are subject to change at any time without notice. Loan funds are subject to availability. Email or call for complete details. 

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Definition of Emergency:

An emergency is defined as a condition that makes a house uninhabitable, extremely dangerous to the occupants, or is capable of causing severe health problems.  

About the Grant

  • Grant amounts from $1,000 to $7,500.
  • Income limit of 80% area median income (AMI), based on household size and most recent tax return.
  • No down payment required. 

Property Eligibility

  • Owner-occupied 1-2 unit residential properties located in the Southeast Como Neighborhood.
  • At least one of the recipients must be at least 62 years of age.
  • Townhomes, Condominiums and properties held in a Trust or Contract for Deed are eligible.
  • Loan approval is subject to credit and program guidelines.
  • To qualify for this program borrower(s) must not be eligible for any other financing administered by CEE.

Grant Details

  • Eligible improvements will be determined through a required analysis of the emergency condition of the property.
  • 2 bids are required from a properly licensed or registered contractor with the MN Department of Labor for projects over $15,000.
  • For do-it-yourself projects, a materials list including prices is required. The cost for labor and the purchase of tools may not be included in the loan. 
  • Funds are held in a non-interest bearing escrow account at CEE from loan closing until the work is completed and all final documentation is received. 
  • CEE will assist residential property owners in Southeast Como with assistance in prioritizing and evaluating improvements to their property through a home visit. This service is available regardless of whether the homeowner chooses to obtain a loan. One visit is permitted per household.

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).

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