Suburban Ramsey County Energy Conservation Deferred Loan

Blower door test

*NEC has merged with the Center for Energy and Environment. Bookmark our new home for lending at and the Suburban Ramsey County loan here. Please note that later this summer this webpage will no longer be available.*


Home Improvement Grants Alternative | Forgiveness Loans | Ramsey County, MN

For many homeowners, high utility bills and expensive heating system repairs can be a difficult financial burden.

That’s why we partner with Ramsey County to offer our Energy Conservation Deferred Loan.

The loan is 0% interest, has no monthly payments and is forgiven if the homeowner stays in their home for 10 years.

You can receive up to $6,500 in forgivable financing for the energy improvements you need today, including new furnaces, boilers, and insulation. 

Available to qualifying residents of Ramsey County (outside the city of Saint Paul).

This loan is repaid only upon the sale of your home. If you sell within:

  • 1-5 years, the entire principal is repaid
  • 6-9 years, the amount owed drops 20% per year
  • On its 10th anniversary, the loan is forgiven!



Maximum upper income limits apply:

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Maximum Household Income









Program Details:

  • Up to $6,500 is available for select energy conservation upgrades.
  • Eligible upgrades will be identified during an in-home energy audit.
  • No loan payments are made by the borrower unless the house is sold within 10 years of the loan date.
  • The borrower will have no out-of-pocket expenses.
  • Qualifying homes were built before 1995.
  • Borrower may have no tax arrears or student loan defaults and must be current on their mortgage loan.
  • Borrower may have a maximum of $50,000 in assets - excluding home, automobiles, and retirement funds.
  • The market value of borrower's home cannot exceed $251,750.

Click here to apply for your loan

Please contact LeAnne at (651) 221-4462 ext. 132 to learn if you qualify and to apply for this loan.

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