Small Cities Development Program

The Central Minnesota Housing Partnership helps to maintain affordable housing through a rehabilitation program that provides assistance to homeowners, rental property owners, and commercial property owners. 

Small Cities Development Program (SCDP)

The Central Minnesota Housing Partnership, Inc. administers the Small Cities Development Program (SCDP) which provides funding assistance for low to moderate-income homeowners (below 80% of area median income) to complete needed repairs to their homes in a specifically designated area of the community. SCDP funding typically covers 85-90% of construction costs up to $25,000. The loan terms are 0% interest, seven-year forgivable loans.

The Small Cities Development Program is overseen by the Minnesota Department of Employment and Economic Development (DEED). This federally funded program provides financing for owner-occupied rehabilitation, rental property rehabilitation, and commercial rehabilitation. The types of funding available in a specific community are determined by assessing a community's needs and resident interest. Central Minnesota Housing Partnership works with cities to prepare and submit preliminary proposals and full applications through DEED's competitive application and award process.

Features of the program include:

  • 0% deferred loans, forgivable loans, and low-interest loans for needed repairs

  • Favorable owner match funds requirements

  • Eligible homeowners may use SCDP funds for items such as roofing, gutters, siding, windows, doors, insulation, HVAC, electrical, plumbing, and to address required lead paint remediation items

  • Eligible commercial owners may use SCDP funds for items such as roofing, siding/brickwork, doors, windows, insulation, awnings/signs, HVAC, mechanical systems, code issues, and accessibility modifications

See counties on the right for eligible cities.

For more information about the Small Cities Development Program,

please call Messina Owings at 320.258.0681 or email

CMHP google logo.png
SCDP Application Information

SCDP applications are available for the cities listed in the box below.  To request an application please call Messina at 320-258-0681.

Applications and all required attachments should be mailed to:



37 28TH AVE N, STE #102

ST. CLOUD, MN 56303

SCDP by County


· Sartell - Owner Occupied, Rental


· Mora - Owner Occupied, Rental


· Melrose - Owner Occupied, Commercial

· St. Joseph - Owner Occupied

- Sartell - Owner Occupied, Rental


· Menahga - Owner Occupied, Commercial

· Wadena - Owner Occupied, Rental &       Commercial

Fixing the Roof