Find grants, rebates, forgivable loans, and free programs for Cadillac, MI, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cadillac, MI, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 10 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 | 2 | 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 weatherization services for income-eligible Michigan households including insulation, air sealing, furnace repair/r...
State-funded lead hazard reduction program for Michigan homes built before 1978 with children under age 6 or pregnant wo...
Low-interest home improvement loans for Michigan homeowners to make essential repairs and improvements. Loans feature co...
CDBG-funded forgivable loan program for major home repairs in Cadillac city limits for low-income homeowners. Loan is fo...
Emergency repair grant for Wexford County homeowners with urgent health and safety issues including furnace failure, plu...
Grant program to modify homes for accessibility for disabled residents in Cadillac city limits. Covers wheelchair ramps,...
Assistance for Cadillac homeowners to repair or replace failing sewer laterals on private property. Program offers grant...
Rebates for Consumers Energy customers who install qualified energy-efficient equipment including furnaces, air conditio...
Enhanced rebates for Consumers Energy customers installing qualifying heat pump systems including air-source and ground-...
Free energy efficiency upgrades for income-qualified Consumers Energy customers including insulation, air sealing, LED b...
USDA program providing loans and grants to very-low-income rural homeowners for necessary repairs. Grants up to $10,000 ...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet their needs. Covers w...
Grant for veterans with certain service-connected disabilities to make accessibility modifications to their home. Covers...
Grant program for Michigan seniors age 60+ to make minor home repairs and modifications that enable them to age safely i...
Refundable state income tax credit for Michigan homeowners and renters whose property taxes exceed a percentage of their...
Net metering program for Consumers Energy customers who install solar panels or other renewable energy systems. Receive ...
Federal HOME Investment Partnerships Program administered by MSHDA to rehabilitate owner-occupied homes for low-income h...
Grant assistance for low-income Michigan homeowners with failing septic systems that pose health or environmental hazard...
Housing improvement program for enrolled Grand Traverse Band members living in the tribal service area including Wexford...
Rebate for Consumers Energy customers who purchase and install qualifying high-efficiency electric or natural gas water ...
Rebate for Consumers Energy customers who purchase and install qualifying smart thermostats. Eligible models include Nes...
Rebate for Consumers Energy customers who install ENERGY STAR certified replacement windows. Helps reduce heating and co...
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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26 programs are currently listed for Cadillac, 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 Cadillac, 15 programs do not require repayment, 2 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.