Home Improvement Grants for U.S. Homeowners
Federal, state, and local grants and low-interest loans that pay for home repairs, renovations, weatherization, and safety upgrades — no repayment required for many programs.
“I'd been patching my roof with tar paper for three years because I couldn't afford a full replacement. The USDA Section 504 program paid for the whole thing — $7,200 — and I don't have to pay any of it back as long as I live here. I had no idea this program even existed until I found it here.”
Who these grants help
Three common situations. Pick the one closest to yours — we'll show you the programs most likely to accept you.
The Aging Roof
Retired on a fixed income with a leaking roof you can't afford to replace.
The Accessibility Gap
A family member needs a ramp or accessible bathroom, but Medicare won't pay for it.
The Disaster Recovery
Your home survived the storm, but the damage is beyond what insurance covers.
Home Improvement programs
Showing top 8 of 99, sorted by award amount.
USDA Section 504 Home Repair Loans & Grants
USDA Rural Development
Weatherization Assistance Program (WAP)
U.S. Department of Energy
Maryland SmartBuy
MD Housing Authority
Accessory Dwelling Unit (ADU) Construction Loan
MA Housing Authority
Home Repair & Rehabilitation Programs
county and city governments Rural Housing Repair & Rehabilitation Grants USDA Section 504 grants up to $10,000 Available to very low-income homeowners age 62+ Loans up to $40,000 at 1% interest Focus on rural Idaho properties
Home Repair & Rehabilitation Programs
Indianapolis Neighborhood Housing Partnership
Fix Up Fund
MN Housing Authority
Clean Energy Programs
NJ Housing Authority
Understanding home improvement grants
Home improvement grants are one of the most underused forms of housing aid in the country. Each year, federal agencies, state housing authorities, and local governments award hundreds of millions of dollars to help homeowners repair roofs, replace failing heating systems, fix plumbing, remove lead paint, and make their homes safer and more efficient. Unlike a home-equity loan, most of these grants do not have to be paid back if you meet the eligibility rules and stay in your home for a required period.
Eligibility typically depends on three things: your household income, the condition of your property, and where you live. The U.S. Department of Agriculture's Section 504 program, for example, offers up to $10,000 in grants to very-low-income homeowners age 62 and older in rural areas, while cities like Philadelphia, Detroit, and Chicago run their own repair programs funded by Community Development Block Grants (CDBG). State programs often target specific needs — Louisiana's Fortify Homes program hardens roofs against hurricanes; Illinois's IHDA program funds rehabilitation in Cook County; Ohio's Save the Dream Ohio helps low-income owners with structural repairs.
Most applications require proof of income (tax returns or pay stubs), a deed showing you own the home, homeowner's insurance, and in many cases an inspection report. Grant awards usually cover materials and licensed-contractor labor directly — checks rarely go to the homeowner. Timelines run from a few weeks for emergency repair programs to 3–6 months for larger rehabilitation loans. If one program denies you, others with different income ceilings or geographic rules may accept you; many homeowners qualify for two or three programs stacked together.
Browse the featured programs below to find what's available in your situation, or read the latest news about new funding rounds, deadline extensions, and changes to eligibility rules.
Typical eligibility
- You own and occupy your primary residence
- Household income below the program's limit (commonly 80% or 50% of Area Median Income)
- Property is owner-occupied and in need of repair
- Current on property taxes and homeowner's insurance
- Some programs are limited by age (62+), veteran status, disability, or rural location
How to apply
Find Programs
Browse grants and loans that match your location, income, and repair needs.
Check Eligibility
Review income caps, age requirements, and other qualifying rules for each program.
Apply Directly
Submit your application through the agency's official portal — we link to it in every program page.
Articles about home improvement
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Virginia Government Offers Home Repair Grants for Eligible Homeowners
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Housing Repair Grants Available to Homeowners for Free
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Housing Repair Loans and Grants Program Helps San Diego Homeowners
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USDA Section 504: Up to $40,000 at 1% for Low-Income Rural Home Repairs
The USDA's Section 504 Single Family Housing Repair program gives very-low-income rural homeowners loans of up to $40,000 at a 1% fixed rate for 20 years, plus grants of up to $10,000 for homeowners age 62 and older to remove health and safety hazards. A Materials Pilot Program that took effect December 2, 2024 is streamlining the process in 25 states and territories through December 2, 2026.
The Availability Of 1 Million New Rental Housing Units By 2025 Has Been Revealed In A Recent Report
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Discover How Much You Can Borrow with a Home Improvement Loan
A home improvement loanhttps://www.bankrate.com/loans/personal-loans/how-do-home-improvement-loans-work/ serves as financial aid to fund renovations and refurbishments in your home or property. When…
Increased Financial Support Headed to Jamestown Homeowners
During their Monday meeting, the Jamestown City, New York Council meticulously reviewed the specifics of a homeowner grant set to be executed by the Jamestown Department of Development. This thorough…
Housing and Community Department Initiates Pilot Program to Support Low-Income Homeowners in ADU Improvement
Tucson's Housing and Community Department HCD of Arizona has taken a significant step in supporting low-income…
Your questions, answered
Do I have to repay a home improvement grant?
How much money can I get?
What counts as a home improvement for grant purposes?
Can I use multiple grants at once?
Who actually receives the money?
How long does approval take?
Not sure where to start?
Take the 2-minute eligibility quiz. We'll match your situation to the grants most likely to approve you.
Start eligibility quiz