Find grants, rebates, forgivable loans, and free programs for Amherst, MA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Amherst, MA, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 14 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 0 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | Refunded to you after purchase | Energy-efficiency upgrades |
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HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Free in-home energy assessment that identifies opportunities to save energy and money. Includes installation of free ene...
Rebates for installing high-efficiency air-source or ground-source heat pumps to replace fossil fuel heating systems. Wh...
No-cost comprehensive energy efficiency services for income-qualified households at or below 60% state median income. In...
Rebates for residential solar photovoltaic installations in Massachusetts. Provides up to $1,000 per kilowatt for system...
Federally funded program providing comprehensive weatherization services at no cost to income-eligible households at or ...
Low-interest loans for septic system repair or replacement for Massachusetts homeowners. Interest rates as low as 0% for...
State-funded lead paint removal program for homes built before 1978 with children under 6 or pregnant women. Provides fu...
CDBG-funded program providing deferred-payment loans up to $50,000 for major home repairs for low- and moderate-income h...
Allows Amherst residents age 60+ to work up to 125 hours per year for the Town in exchange for up to $1,500 property tax...
Provides deferred-payment loans up to $30,000 for accessibility modifications for disabled or elderly homeowners. Includ...
Matching grants up to $5,000 for preservation and restoration of historic properties in designated historic districts. F...
USDA program offering low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners age 62+ i...
Grant for severely disabled veterans to build, buy, or modify a home to meet accessibility needs. Available to veterans ...
Grant for disabled veterans to adapt a home to accommodate a disability. Available to veterans with blindness in both ey...
Grant program for Hampshire County seniors age 60+ to address critical home repairs and health/safety hazards. Covers em...
Community Preservation Act funds for creation and preservation of affordable housing in Amherst. Supports acquisition, c...
Rebate for installing ENERGY STAR certified heat pump water heaters. Standard rebate of $750 for income-qualified custom...
Rebates covering 75% of insulation and air sealing costs for general market customers, or 100% for income-qualified hous...
Solar Massachusetts Renewable Target (SMART) program provides long-term production-based incentives for solar installati...
Low-interest home improvement loans up to $50,000 for Massachusetts homeowners. Fixed interest rates typically 2-4% depe...
Massachusetts state income tax credit equal to 15% of solar installation cost, up to $1,000 maximum. Can be claimed in t...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
Pick a project to see how much funding could stack on it from multiple programs in this city.
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25 programs are currently listed for Amherst, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Amherst, 15 programs do not require repayment, 0 are forgivable loans, and 5 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.