Minnesota Residential Construction Contract (Home Improvement) (2026)

A contract between a homeowner and a contractor for building, remodeling or repair work — scope, schedule, price, payment milestones, change orders, insurance, warranty and the notices your state requires in the contract.

Updated September 2026≈ 9 minReviewed against Minn. Stat. § 326B.809 · 16 C.F.R. § 429.1

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What you'll get

Sample first page of the Residential Construction Contract (Home Improvement). Your answers fill in the blanks; the clauses required in Minnesota are added automatically.

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What this document covers

Owner, contractor and licence number
Project address and full scope of work
Start date and substantial completion date
Fixed price, cost-plus or time and materials
Down payment inside your state's legal cap
Payment milestones tied to the work
Written change-order procedure
Permits, inspections and code compliance
General liability and workers' compensation
Warranty, termination, disputes and the notices your state mandates

Minnesota rules that this document follows

Contractor license	Department of Labor and Industry — residential building contractor licence — A residential building contractor must be licensed and must give the homeowner a written agreement with the contents the statute requires.Source: Minn. Stat. § 326B.809
License number on the contract	Not required by a confirmed statute; printing it anyway is good practiceSource: Minn. Stat. § 326B.809
Written contract required	Yes — The written agreement must contain a detailed summary of the services to be performed, a description of the specific materials to be used or a list of standard features, and the total contract price or the basis on which the price will be calculated; the licensee must also hand over written performance guidelines before signing and signed copies of every document at no cost.Source: Minn. Stat. § 326B.809
Down payment cap	None confirmed — no statutory cap was found; a deposit tied to mobilisation and special-order materials is the norm
Required notices	WRITTEN PERFORMANCE GUIDELINESSource: Minn. Stat. § 326B.809
Right to cancel	3 business days — Federal law gives the owner three business days to cancel a home improvement sale of $25 or more that was signed away from the contractor's regular place of business (at the owner's home, a fair, a hotel or a jobsite). The contract must carry the cancellation notice and two copies of a cancellation form.Source: 16 C.F.R. § 429.1(a) (FTC Cooling-Off Rule)

Rules current as of 2026-09-14. Statutes change; verify before relying on them.

How to use this Residential Construction Contract (Home Improvement) in Minnesota

In Minnesota the contract is regulated, not just recommended: The written agreement must contain a detailed summary of the services to be performed, a description of the specific materials to be used or a list of standard features, and the total contract price or the basis on which the price will be calculated; the licensee must also hand over written performance guidelines before signing and signed copies of every document at no cost. (Minn. Stat. § 326B.809) This template writes the scope, the dates, the price, the payment milestones and the change-order rule into one document and prints the notices your state requires around it.

Price the job in one of three ways. A fixed price puts the risk of overruns on the contractor and is what most homeowners should ask for. Cost plus a fee makes sense for open-ended renovation, but only with a not-to-exceed number and access to the books. Time and materials suits small repairs where nobody can scope the work in advance. Tie the rest to milestones a person can stand in the room and verify — never to a calendar.

Check the licence before signing. A residential building contractor must be licensed and must give the homeowner a written agreement with the contents the statute requires. (Minn. Stat. § 326B.809) Ask for a certificate of general liability insurance and, where the contractor has employees, workers' compensation. An uninsured injury on your property is the one construction risk a homeowner cannot fix afterwards.

The contract has to carry the notices Minnesota prescribes — WRITTEN PERFORMANCE GUIDELINES — and this template prints each of them. If the owner signs anywhere other than the contractor's regular place of business, the federal Cooling-Off Rule gives three business days to cancel and requires two copies of a cancellation form (16 C.F.R. § 429.1(a) (FTC Cooling-Off Rule)). Sign before any work begins, hand the owner a full copy the same day, and collect a lien waiver with every payment.

Frequently asked questions

Does Minnesota require a written home improvement contract?

Yes. The written agreement must contain a detailed summary of the services to be performed, a description of the specific materials to be used or a list of standard features, and the total contract price or the basis on which the price will be calculated; the licensee must also hand over written performance guidelines before signing and signed copies of every document at no cost. (Minn. Stat. § 326B.809)

How big a down payment can a contractor ask for in Minnesota?

No statutory down-payment cap was confirmed for Minnesota. Even so, a deposit larger than what mobilisation and special-order materials actually cost is a warning sign — pay for work, not for promises.

Can I cancel a signed contract in Minnesota?

Usually yes. Federal law gives the owner three business days to cancel a home improvement sale of $25 or more that was signed away from the contractor's regular place of business (at the owner's home, a fair, a hotel or a jobsite). The contract must carry the cancellation notice and two copies of a cancellation form. (16 C.F.R. § 429.1(a) (FTC Cooling-Off Rule)) If the contract was signed at the contractor's own showroom or office, that federal right does not apply and the contract's own termination clause governs.

What notices must the contract itself contain in Minnesota?

These: WRITTEN PERFORMANCE GUIDELINES (Minn. Stat. § 326B.809). This template prints each of them, using the statutory wording where the statute prescribes the words.

Does the contractor's license number have to be on the contract?

No confirmed statute requires it on the contract in Minnesota, but A residential building contractor must be licensed and must give the homeowner a written agreement with the contents the statute requires. (Minn. Stat. § 326B.809) Print the number anyway — owners and lenders ask for it.

Who pays if a subcontractor liens my house after I paid the contractor?

In most states the lien attaches to the house even though the owner paid, which is why this contract makes the contractor pay downstream and deliver a lien waiver with every payment. Collect the waivers before releasing each milestone, and keep the final payment until the last waiver is in hand.

Other names

home improvement contract
residential construction contract
remodeling contract
contractor agreement
general contractor contract
home remodeling agreement
renovation contract
construction agreement homeowner
home repair contract
builder contract

Other states

FormsByState provides self-help document templates and general information, not legal advice. We are not a law firm. For advice about your situation consult a licensed attorney in your state.