Find grants, rebates, forgivable loans, and free programs for Brainerd, MN, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Brainerd, MN, with individual awards up to $126,526. 3 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 | 11 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 9 | 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 providing free weatherization services to income-eligible households in Crow Wing County. Servi...
Deferred loan program offering 0% interest financing for necessary home repairs and improvements. Available to homeowner...
Provides forgivable loans to low-income homeowners for critical home repairs including structural, mechanical, and healt...
Provides free lead hazard assessment and abatement services for income-eligible households with children under age 6 in ...
Rebate for installation of qualifying air source heat pumps in electrically heated homes. Provides up to $2,500 for cold...
Rebate for installation of high-efficiency central air conditioning units. Provides up to $250 for qualifying ENERGY STA...
Rebate for purchase and installation of qualifying smart thermostats that allow for demand response participation. Eligi...
Free pickup and recycling of working refrigerators and freezers with a $75 rebate per unit. Removes energy-wasting secon...
Rebate for professionally installed insulation and air sealing in electrically heated homes. Requires pre-approval and h...
Incentive program for residential solar photovoltaic installations. Provides upfront rebate plus ongoing production cred...
Rebate for installation of high-efficiency natural gas furnaces in CenterPoint Energy service territory. Provides up to ...
Rebate for installation of high-efficiency natural gas boilers. Provides up to $1,500 for condensing boilers with AFUE 9...
Rebate for installation of ENERGY STAR certified natural gas water heaters. Provides rebates up to $300 for qualifying t...
Provides loans up to $40,000 and grants up to $10,000 for very low-income homeowners in rural areas to repair, improve, ...
Helps low-income households pay their heating bills during the winter months. Benefit amount based on household income, ...
Provides emergency assistance to households facing heating crisis including shut-off, system failure, or fuel shortage. ...
Helps veterans with certain service-connected disabilities adapt or purchase a home to accommodate their disabilities. A...
Helps veterans with certain service-connected disabilities adapt a home to accommodate their disability. Available to ve...
Provides property tax relief to homeowners based on income and property taxes. Regular refunds available to all qualifyi...
Provides low-interest loans to Crow Wing County homeowners for repair or replacement of failing septic systems. Loan ter...
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 Brainerd, 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 Brainerd, 11 programs do not require repayment, 2 are forgivable loans, and 9 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.