The City of St. Cloud believes that its core neighborhoods are the building blocks of the broader community. There are roughly 11 core neighborhoods in St. Cloud. Each neighborhood has a unique identity and opportunities that contribute to the broader community’s economy, heritage, diversity, activities, arts, entertainment, and social fabric. In some cases, neighborhoods already have defined boundaries and may even have an organized neighborhood association. In other cases, major streets define natural neighborhood boundaries, even where there is no formalized neighborhood association.
St. Cloud's Core Neighborhoods are a place to live where people can meet their economic, social, physical and cultural needs, while working together for the common good and participating in creating their future.
For more information on these home loans, contact the St. Cloud HRA at 320-252-0880.
- CDBG Loan Program
Homeowners may receive a maximum of $25,000 for basic home improvements such as windows, siding, electrical wiring, plumbing, roofing, heating, energy saving improvements, or improvements to meet the needs of a disabled person. The primary focus of the funds is to be used for health, safety, and weatherization issues. The loan is deferred, meaning that it is interest free and requires no monthly payments. It is a mortgage that will be filed on your property. The loan is repayable upon sale, refinance, ceasing to be the owner's primary residence, or after 30 years.
- Homestead Incentive Program
The Homestead Incentive Program was created to promote homeownership and help to increase the amount of owner-occupied homes in St. Cloud's Core Neighborhoods. The program provides an incentive to qualified buyers who purchase and homestead a home with a deferred loan up to $3,000 that can be used to pay a portion of the down payment and closing costs.
- MHFA Rehab Loan Program
Homeowners may receive a maximum of $24,999 for rehab of health, safety, and/or weatherization related issues if they are within the city limits of St. Cloud and the home is owner-occupied. The loan is deferred, meaning that it is interest free and requires no monthly payments. It is repayable at the time of sale, refinance, or ceasing to be the owner's primary residence or forgiven after 15 years.
The City is committed to serving your neighborhood. The Health & Inspections Department staff provide complaint response as well as routine inspections.
St. Cloud has developed a series of 'good neighbor notes' that are designed to explain the rules relating to a wide range of issues that affect residential neighborhoods. Each 'note' addresses one topic, explaining the in plain language what the laws and policies really mean.