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Ramsey Local Affordable Housing Aid (LAHA) Program <br />Adopted 2026 <br />Program Overview <br />The Ramsey Local Affordable Housing Aid (LAHA) program is intended to provide improvements to owner - <br />occupied homes where the expense of such improvements would be cost -prohibitive or exceedingly <br />burdensome to income -qualified residents. Providing assistance for exterior improvements not only help <br />the residents of that home, but also benefit the surrounding neighborhood with improved aesthetics. <br />Improvements to internal systems can provide for a safer and healthier living environment. <br />Eligible Participants <br />To be qualified for this program, recipients must meet all of the following criteria: <br />1. The household (combined total of all people residing in that house) income level must be at or <br />below 115% Area Median Income (AMI) as defined for that year. Income verification will be done <br />by review of tax filings. <br />2. The property must be owner -occupied and homesteaded with Anoka County. It may not be a <br />relative homestead or in a trust. <br />3. The owner must not own or have any financial interest in any other homes or dwelling units — <br />such as seasonal cabins, second homes, or as investment property. <br />4. Exterior improvements are limited to single-family homes. Interior improvements are available <br />to single-family homes, owned manufactured homes in Oak Terrace Estates, and townhomes. <br />5. Must be a resident of Ramsey and the home must be located with Ramsey. <br />Preferred Participants —Should there be more demand than money available, first preference will be given <br />to households below 80% AMI and second preference given to homes resided by someone over 65 years <br />of age (identification required if not the same person as on the deed). <br />Eligible Expenses <br />The following improvements on the home are eligible for use of LAHA money: <br />Exterior Improvements — Minimum award amount = $10,000; Maximum award amount - $50,000 (total <br />per home). <br />1. New Windows <br />2. New Siding <br />3. New Roofing <br />4. Connecting wells and/or septic systems to municipal utilities and the costs of proper removal or <br />abandonment. Replacement costs are eligible provided that municipal utilities are not available. <br />5. Tree trimming and/or removal if the tree poses a threat to the home or it is a tree in the front <br />yard. <br />6. Bituminous or concrete driveway replacement (between the main garage and the street only). <br />Interior Improvements — Minimum award amount $1,000; Maximum award amount - $10,000 (total per <br />home). <br />7. Furnace <br />8. Air conditioner <br />