Suburban Ramsey County Energy Conservation Deferred Loan

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Center for Energy and Environment partners with Ramsey County to offer the Energy Conservation Deferred Loan to residents who have completed a home energy audit.

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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Schedule your Home Energy Squad Visit

Hablamos Español: 612-335-5856

About the Loan

  • 0% APR.
  • No monthly payments.
  • Loan amounts up to $10,000. 
  • No down payment required. 


Property Eligibility

  • 1-4 unit owner-occupied residential properties located in Ramsey County (outside of Saint Paul).
  • Loan approval is subject to credit and program guidelines.

Loan Details

  • 100% of the loan is forgiven if the borrower owns and occupies the property for 10 years.
  • Maximum of $50,000 in assets - excluding home, automobiles and retirement funds.
  • Maximum property tax value of $273,000.
  • Property must be at least 20 years old. 
  • 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. 
  • Income limits as followed: 
People Income Limit
1 $62,600
2 $71,500
3 $80,500
4 $89,400
5 $96,600


  • Eligible improvements will be identified during an in-home energy audit.
  • Heating systems AFUE ≥ 95%, boiler ≥ 84% EF, programmable thermostats, Energy Star water heaters, attic/wall insulation, air sealing, air conditioning only with medical condition or over the age of 65 (replacement only)
  • Multiple bids are required from a properly licensed contractor or registered with the MN Department of Labor.

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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