Find grants, rebates, forgivable loans, and free programs for Cary, NC, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cary, NC, with individual awards up to $126,526. 8 programs target seniors, 3 serve veterans, and 14 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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...
Provides deferred, forgivable loans for major repairs to owner-occupied homes for low-income families. Loan is forgiven ...
Federally funded program providing free energy efficiency improvements to income-eligible households. Priority given to ...
Provides free lead hazard evaluation and remediation for homes built before 1978 where children under 6 reside. Funded t...
CDBG-funded program providing forgivable loans for major home repairs to low-income homeowners in Cary. Loan is forgiven...
Provides emergency repair grants for low-income homeowners facing immediate health and safety hazards. Priority given to...
Provides grants for accessibility modifications to enable seniors and persons with disabilities to remain safely in thei...
Rebate program for homeowners who repair or replace private water or sewer laterals. Town reimburses 50% of eligible rep...
Rebate for installing high-efficiency heat pump systems in Duke Energy service territory. Rebate amount varies by system...
Provides rebates for multiple energy efficiency improvements including insulation, air sealing, duct sealing, and effici...
Provides rebates for residential solar photovoltaic installations at $0.60 per watt. Program capacity is limited and app...
Provides loans and grants to very-low-income homeowners in eligible rural areas to repair or improve their homes. Grants...
Helps veterans with certain service-connected disabilities adapt or purchase an adapted home. For veterans with loss of ...
Helps veterans with certain service-connected disabilities adapt their home. For veterans with blindness in both eyes or...
Provides home repair grants for low-income seniors age 60+ in Wake County. Covers essential repairs including roofing, p...
State-funded program providing deferred loans for substantial rehabilitation of owner-occupied homes for low-income fami...
HOME Investment Partnerships Program providing forgivable loans for substantial home repairs to low-income homeowners in...
Provides assistance for unmet disaster recovery needs following federally declared disasters. Program reopens when new d...
Free whole-home energy efficiency upgrades for income-qualified Duke Energy customers. Includes insulation, air sealing,...
Excludes up to $30,000 of assessed home value from property taxes for qualifying seniors 65+ or totally and permanently ...
Excludes $45,000 of assessed home value from property taxes for qualifying disabled veterans with 100% permanent and tot...
North Carolina offers a 35% state income tax credit for residential solar installations, capped at $10,800. Credit expir...
Matching grants for exterior preservation and restoration of historically designated properties in Cary. Property must b...
Rebate for residential rain gardens that reduce stormwater runoff. Rain garden must meet town specifications and be inst...
Professional home energy assessment for only $50 (regularly $400+). Certified energy advisor identifies energy waste and...
Low-interest loans for repair or replacement of failing septic systems for moderate-income homeowners in Wake County. He...
Federal pandemic relief program that provided assistance with past-due mortgage payments, property taxes, insurance, and...
Forgivable loans for home repairs for qualifying first responders (police, fire, EMS) employed in Wake County. Loan forg...
Rebate for installing ENERGY STAR certified heat pump water heaters. Heat pump water heaters are 2-3 times more efficien...
Provides heating and cooling assistance to income-eligible North Carolina households through local Community Action Agen...
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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33 programs are currently listed for Cary, 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 Cary, 20 programs do not require repayment, 5 are forgivable loans, and 6 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.