Find grants, rebates, forgivable loans, and free programs for Boston, MA, filtered to your situation.
As of June 2026, 52 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Boston, MA, with individual awards up to $250,000. 12 programs target seniors, 4 serve veterans, and 22 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 26 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 9 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 8 | Refunded to you after purchase | Energy-efficiency upgrades |
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The HomeWorks Green Loan Program offers income-eligible Boston homeowners a 0% interest deferred loan up to $70,000 for ...
HomeWorks HELP is a 0% interest deferred loan for interior and exterior home repairs available to Boston homeowners earn...
The Senior Home Repair Loan provides Boston homeowners aged 62 and older with a 0% interest deferred loan of up to $12,0...
Seniors Save provides Boston homeowners aged 60 and older earning below 80% AMI with a grant of up to $12,000 specifical...
LeadSafe Boston provides forgivable loans of up to $12,000 per unit to remove lead paint hazards from Boston homes. Owne...
This pilot program provides owner-occupants of 2-4 unit Boston homes built before 1999 with up to $50,000 per unit for d...
The Clause 41C Elderly Exemption reduces property taxes by up to $2,000 per year for Boston homeowners aged 65 or older ...
Every Boston homeowner who occupies their property as their principal residence as of January 1, 2025 is eligible for th...
Qualifying veterans who own and occupy their Boston home receive a $412 property tax reduction annually under Clause 22....
The Older Adult Property Tax Work-Off Program allows Boston homeowners aged 60 or older to earn up to $2,000 off their p...
Mass Save provides rebates of up to $8,500 for qualifying air-source heat pump installations through participating Massa...
Households at or below 60% of the Area Median Income qualify for Mass Save's Income-Eligible Program, which covers 100% ...
Households earning between 60% and 80% AMI qualify for Mass Save's Enhanced Incentives tier, which bridges the gap betwe...
All Massachusetts utility customers (Eversource, National Grid, etc.) can receive an instant rebate covering 75% of the ...
The Mass Save HEAT Loan provides 0% interest financing up to $25,000 for qualifying energy efficiency upgrades including...
Mass Save offers a $750 instant rebate on qualifying heat pump water heaters installed by a licensed plumber from a part...
Income-eligible Massachusetts households can receive significant discounts on their monthly utility bills: up to 42% off...
MassHousing's Home Improvement Loan Program (HILP) provides fixed-rate loans from $7,500 to $50,000 for improvements and...
The Get the Lead Out program provides low-interest loans ($30,000-$45,000 depending on unit count) for lead paint abatem...
Launched in January 2026, this MassHousing program finances ADU construction as a fixed-rate second mortgage for single-...
The HMLP provides 0% interest deferred loans up to $50,000 (or $30,000 for manufactured homes) to homeowners or landlord...
Massachusetts WAP provides free weatherization services,insulation, air sealing, heating system tune-ups, and energy eff...
HEAP (federally known as LIHEAP) provides up to $1,000 in direct heating bill assistance for Massachusetts households ea...
SMART 3.0 (Solar Massachusetts Renewable Target) pays residential solar owners a fixed rate of $0.03/kWh produced for 10...
Massachusetts homeowners who install solar panels on their primary residence may claim a state income tax credit equal t...
Rebuilding Together Boston provides free essential home repairs to low-income Boston homeowners, with priority given to ...
The USDA Section 504 program provides very-low-income homeowners in eligible rural and suburban areas with up to $40,000...
The VA Specially Adapted Housing grant helps veterans with permanent and total service-connected disabilities live indep...
The VA HISA grant provides up to $6,800 lifetime for veterans with service-connected disabilities (or $2,000 for non-ser...
FHA Title I loans provide government-backed home improvement financing of up to $25,000 for single-family homes, even wi...
ONE+Boston combines the Commonwealth's most affordable first-time homebuyer mortgage (ONE Mortgage) with City of Boston ...
Boston receives approximately $17-27 million annually in HUD CDBG funds, allocated primarily to affordable housing, home...
HUD's Lead Hazard Reduction program funds comprehensive lead paint abatement in privately-owned rental and owner-occupie...
Massachusetts received $72.8M for the Home Electrification and Appliance Rebates (HEAR) program and $73M for the Home Ef...
HMGP funding is triggered by presidentially declared disasters and helps communities reduce future hazard risks. Individ...
MassHousing offers below-market-rate mortgages with down payment assistance of up to $30,000 for first-time and repeat b...
Habitat for Humanity Greater Boston builds and sells affordable homes to income-qualifying families using volunteer labo...
Eversource and National Grid offer Arrearage Management Programs (AMP) that allow income-eligible customers with past-du...
The free Mass Save Home Energy Assessment is the gateway to most Mass Save rebates and the 0% HEAT Loan. A certified ene...
Boston ABCD serves as the primary local delivery agent for both the Mass Save Income-Eligible Program and the state WAP ...
Massachusetts law exempts the added assessed value of a solar energy system from property taxes for 20 years from the da...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Free tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) program. Certified volunteers prepa...
MassHire Boston Career Center serves Boston residents with WIOA-funded Individual Training Accounts, career coaching, jo...
The SBA Massachusetts District Office in Boston supports small businesses through the Microloan Program, 7(a) loans, and...
The City of Boston's Office of Economic Opportunity and Inclusion supports small businesses through the Boston Economic ...
Massachusetts offers multiple child care financial assistance programs through the Department of Early Education and Car...
Action for Boston Community Development (ABCD) is the largest Head Start provider in Massachusetts, operating programs 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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52 programs are currently listed for Boston, including Boston HomeWorks Green Loan Program, Boston HomeWorks Home Equity Loan Program (HomeWorks HELP), Boston Senior Home Repair Loan.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Boston, 26 programs do not require repayment, 9 are forgivable loans, and 8 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.