Find grants, rebates, forgivable loans, and free programs for Cloquet, MN, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cloquet, MN, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 7 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 | 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...
Federally funded program administered by the state to reduce energy costs for income-qualified households through insula...
Deferred payment loan for major home improvements and repairs for owner-occupied homes. Zero interest, repayment deferre...
Free lead hazard reduction services for Minnesota homes built before 1978 with children under 6 or pregnant women. Inclu...
Emergency repair grants for income-qualified Carlton County homeowners facing health and safety hazards. Priority given ...
CDBG-funded forgivable loan for major home repairs and rehabilitation for owner-occupied homes within Cloquet city limit...
Grants for home accessibility modifications for Cloquet residents with disabilities. Covers ramps, grab bars, widened do...
Financial assistance for homeowners needing to repair or replace private sewer or water laterals within Cloquet city lim...
Minnesota Power customers in Cloquet can receive rebates for energy-efficient home improvements including insulation, ai...
Enhanced rebate for qualifying air-source and ductless heat pump installations for Minnesota Power customers. Equipment ...
Enhanced rebate program for income-qualified Minnesota Power customers. Provides higher incentives for weatherization, i...
Rebate for Minnesota Power customers who install rooftop solar photovoltaic systems. Incentive paid per kW of installed ...
Grants for very low-income homeowners age 62+ in rural areas of Carlton County to remove health and safety hazards. Fund...
Low-interest loan (1% fixed) for very low-income homeowners in rural Carlton County to repair, improve, or modernize the...
Grants for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabil...
Grants for veterans with specific service-connected disabilities (such as blindness or loss of use of hands) to adapt a ...
State refund for Minnesota homeowners whose property taxes exceed a percentage of their household income. Refund amount ...
State refund for Minnesota renters whose rent (which includes an implicit property tax component) exceeds a percentage o...
Federally funded energy assistance to help low-income Cloquet households pay heating and cooling costs. Grant amounts ba...
Emergency furnace repair or replacement assistance for income-qualified Cloquet households facing a heating crisis durin...
Low-interest home improvement loan for Minnesota homeowners to make repairs, improvements, or accessibility modification...
Home rehabilitation assistance for Fond du Lac tribal members and income-qualified Native Americans residing in Carlton ...
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 Cloquet, 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 Cloquet, 15 programs do not require repayment, 2 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.