Find grants, rebates, forgivable loans, and free programs for Cambridge, MA, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cambridge, MA, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 18 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 21 | 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...
Mass Save offers rebates for air-source and ground-source heat pump installations, covering up to $10,000 for qualifying...
Mass Save provides rebates covering 75% of insulation and air sealing costs for all customers, with 100% coverage for in...
Rebates for ENERGY STAR certified appliances including electric heat pump water heaters ($750), smart thermostats ($100)...
The Solar Massachusetts Renewable Target (SMART) program provides performance-based incentives for solar installations. ...
CDBG-funded forgivable loan for major home repairs and rehabilitation for low- and moderate-income Cambridge homeowners....
Free lead paint inspection, risk assessment, and full abatement for Cambridge homes built before 1978 with children unde...
Provides grants for home repairs and accessibility modifications to help Cambridge seniors age 60+ remain safely in thei...
Grant funding for accessibility modifications including ramps, widened doorways, accessible bathrooms, and stairlifts fo...
Low-interest loan program to assist Cambridge homeowners with the cost of repairing or replacing private sewer lateral c...
Rebates for high-efficiency toilets ($100 each), rain barrels ($50), and water-efficient washing machines ($100). Reduce...
Federally funded program providing free comprehensive weatherization services including insulation, air sealing, heating...
Low-interest loan program for septic system repair or replacement in Massachusetts. While most Cambridge properties use ...
Low-interest loan for home repairs and improvements for Massachusetts homeowners. Fixed 3% interest rate with 10-year te...
Provides free home health assessments and remediation for asthma triggers, including mold, pests, lead, and allergens. P...
State-funded forgivable loan for major home repairs and rehabilitation for low- and moderate-income homeowners. Loan for...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their adaptive needs. Cover...
Helps veterans with certain service-connected disabilities adapt their permanent residence to meet their needs. For vete...
Low-interest loan for very-low-income rural homeowners to repair, improve, or modernize their homes. Cambridge is not el...
Grant for very-low-income seniors age 62+ in rural areas to remove health and safety hazards. Cambridge is not eligible ...
Federally funded HOME Investment Partnerships Program provides forgivable loans for major home repairs and accessibility...
Connects Cambridge property owners with vetted solar installers offering competitive pricing, financing options, and lea...
Cambridge Building Energy Use Disclosure Ordinance provides free energy assessments and connects property owners with Ma...
Provides matching grants for exterior restoration and preservation work on contributing properties within Cambridge hist...
Free street tree planting program for Cambridge residents. Trees planted in public right-of-way adjacent to property pro...
Provides rapid response grants for emergency home repairs that pose immediate health and safety threats. Priority for el...
MassHealth Community First program provides home modifications to help seniors and people with disabilities remain safel...
Provides grants for stormwater management improvements including rain gardens, permeable pavement, and sump pump install...
Rebates for residential electric vehicle charging station installation. Covers Level 2 home chargers with higher rebates...
Helps income-eligible Massachusetts households pay heating bills during the winter season. Administered through Communit...
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.
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33 programs are currently listed for Cambridge, 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 Cambridge, 21 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.