Find grants, rebates, forgivable loans, and free programs for Bemidji, MN, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Bemidji, MN, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 12 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 | 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...
Federally-funded weatherization program administered through Tri-Valley Opportunity Council serving Beltrami County. Pro...
Low-interest deferred loan program for home improvements for owner-occupants with household income at or below 115% area...
CDBG-funded rehabilitation assistance for income-qualified owner-occupants in Bemidji city limits. Loan is forgiven afte...
Grant assistance for emergency repairs posing immediate threat to health and safety for very low-income owner-occupants ...
Grant program for accessibility modifications to owner-occupied homes where a household member has a documented disabili...
USDA program for very low-income rural homeowners to repair, improve, or modernize their homes. Loans up to $40,000 at 1...
In-home energy assessment and immediate installation of energy-saving products including LED bulbs, low-flow showerheads...
Rebates for qualifying air-source heat pump installations. $1,500 for ducted central heat pumps (8+ HSPF), up to $2,500 ...
Rebates for professionally installed insulation in attics, walls, and basements. Requires Home Energy Audit first. Rebat...
Rebate for installing high-efficiency central air conditioning systems. $50 for ENERGY STAR qualified units, up to $300 ...
Instant or mail-in rebate for purchasing and installing a qualifying smart thermostat. Models from Nest, Ecobee, Honeywe...
Rebates for high-efficiency water heaters: up to $900 for heat pump water heaters (electric), $200 for tankless gas mode...
Get paid to recycle your old working refrigerator or freezer. Free pickup scheduled at your convenience. Receive $50 for...
Performance-based incentive for residential solar installations in Xcel service territory. Paid per kWh produced over 10...
Helps Veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Fo...
Helps Veterans with certain service-connected disabilities adapt a family member's home they live in or will live in. Fo...
Provides free lead hazard assessments and lead reduction services to families with children under age 6 living in homes ...
Provides property tax relief for homeowners and renters whose property taxes are high relative to their income. Househol...
Allows homeowners age 65+ with household income under $120,000 to defer payment of property taxes on their homestead. St...
Deferred loan program for homeowners age 55+ to make accessibility improvements and essential repairs. Helps seniors age...
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 Bemidji, 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 Bemidji, 15 programs do not require repayment, 3 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.