Find grants, rebates, forgivable loans, and free programs for Bay City, MI, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Bay City, MI, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 11 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 | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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...
Federally-funded program administered by Michigan DHHS providing free weatherization services to income-eligible househo...
MSHDA-funded program providing forgivable loans for essential home repairs to income-eligible homeowners. Loan is forgiv...
HUD-funded program administered through Michigan DHHS to eliminate lead-based paint hazards in homes built before 1978. ...
CDBG-funded rehabilitation program for owner-occupied homes in Bay City. Provides forgivable loans for major repairs add...
Provides emergency repair grants for income-eligible owner-occupied homes in Bay City facing immediate health or safety ...
Provides grants to modify homes for accessibility and ADA compliance for disabled or elderly residents in Bay City. Cove...
Matching grant program to assist Bay City homeowners with sewer lateral repairs from the home to the city main. City cov...
Rebate program for Consumers Energy customers who install high-efficiency furnaces, boilers, or heat pumps. Rebates rang...
Rebate program for Consumers Energy customers who add attic or wall insulation and air sealing. Requires home energy ass...
Rebate program for DTE electric customers installing qualifying air-source or geothermal heat pumps. Rebates range from ...
Net metering program for Consumers Energy customers installing solar panels. System production credited at retail rate, ...
USDA program providing low-interest loans (1% interest) up to $40,000 and grants up to $10,000 for very-low-income homeo...
Grant for eligible veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their...
Grant for eligible veterans with certain service-connected disabilities to adapt a home. For veterans who are blind in b...
Bay County program providing free lead testing and hazard removal for homes built before 1978 with children under 6 or p...
Grant program for Michigan homeowners age 60+ with income at or below 80% AMI to fund emergency repairs and accessibilit...
Rebate program for Consumers Energy natural gas customers who install high-efficiency water heaters. Rebates range from ...
Federal HOME funds administered by MSHDA through local housing agencies to provide comprehensive rehabilitation for inco...
Low-interest financing for Michigan homeowners to invest in energy efficiency and renewable energy improvements. Rates a...
Michigan State Emergency Relief program providing one-time emergency grants for homeowners facing urgent home repair sit...
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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24 programs are currently listed for Bay City, 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 Bay City, 15 programs do not require repayment, 3 are forgivable loans, and 4 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.