Find grants, rebates, forgivable loans, and free programs for Chelmsford, MA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Chelmsford, MA, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 16 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 0 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 rebates for air-source and ground-source heat pump installations in Chelmsford. Includes both heating and cooli...
Covers 75% to 100% of insulation costs for attics, walls, and basements in Chelmsford homes. Income-eligible customers r...
Federal WAP program providing comprehensive weatherization services at no cost to income-qualified Chelmsford residents....
Low-interest loans for septic system repair or replacement in Chelmsford. Fixed interest rates starting at 3% with terms...
State-funded lead paint removal for homes built before 1978 where a child under 6 with elevated blood lead levels reside...
Federal grants up to $10,000 for very low-income seniors (62+) and loans up to $20,000 at 1% interest for eligible rural...
Grant for veterans with certain service-connected disabilities to adapt a home in Chelmsford for wheelchair accessibilit...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in Chelmsford. Covers acc...
Low-interest home improvement loans up to $50,000 for income-eligible Chelmsford homeowners. Fixed rates starting at 3.9...
Assists families in Chelmsford with temporary relocation costs during lead paint removal. Available when a child under 6...
Low-interest solar loans for Chelmsford homeowners to install rooftop solar photovoltaic systems. Interest rates from 0%...
Solar Massachusetts Renewable Target (SMART) program provides per-kilowatt-hour incentive payments for solar electricity...
Free in-home energy assessment for Chelmsford residents served by Eversource or National Grid. Includes installation of ...
Rebates for high-efficiency water heaters including heat pump water heaters, tankless gas models, and indirect water hea...
Allows Chelmsford residents age 60+ to earn a credit against their property tax bill by volunteering in various Town dep...
Provides a refundable state income tax credit to Chelmsford seniors age 65+ who own or rent their principal residence an...
Free online registry connecting people with disabilities to accessible housing in Chelmsford and across Massachusetts. L...
Grants for historic preservation, affordable housing creation, open space preservation, and outdoor recreation in Chelms...
Rebates for ENERGY STAR certified appliances including clothes washers ($200), dryers ($100), refrigerators ($300), and ...
Exempts the added value of solar, wind, or other renewable energy systems from Chelmsford property taxes for 20 years. S...
Provides funding for home modifications that enable Chelmsford residents enrolled in the MassHealth PCA program to live ...
Provides nutritious meal delivery to Chelmsford homebound seniors (60+) and adults with disabilities. Meals delivered we...
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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25 programs are currently listed for Chelmsford, 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 Chelmsford, 17 programs do not require repayment, 0 are forgivable loans, and 4 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.