Find grants, rebates, forgivable loans, and free programs for Cottage Grove, MN, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cottage Grove, MN, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 14 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 13 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
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 low-interest home improvement loans for Minnesota homeowners who need to make repairs or improvements. Funds ca...
Deferred, zero-interest loan for low-income Minnesota homeowners to make critical home repairs. Loan is deferred (no mon...
Federally funded program providing free weatherization services to low-income Minnesota households. Includes insulation,...
HUD-funded program providing free lead hazard reduction services for Minnesota homes built before 1978 with children und...
Provides forgivable loans to low-income homeowners in Washington County for critical home repairs and improvements. Loan...
Provides deferred loans for accessibility modifications to Washington County homes for seniors and persons with disabili...
In-home energy assessment and weatherization service with instant upgrades including air sealing, insulation, LED bulbs,...
Rebate for qualifying central air conditioners with SEER2 rating of 15.2 or higher for Xcel Energy electric customers. R...
Rebate for qualifying air-source heat pumps for Xcel Energy electric customers. Amount varies by system type: $800-$2,50...
Rebate for adding insulation to attics, walls, and basements for Xcel Energy customers. Requires energy audit before and...
Instant rebate on qualifying smart thermostats for Xcel Energy electric customers. Receive $50-$100 off at participating...
Rebate for qualifying high-efficiency natural gas furnaces for CenterPoint Energy customers. Furnace must have AFUE rati...
Rebate for qualifying high-efficiency natural gas water heaters for CenterPoint Energy customers. Includes storage tank ...
Incentive program for Xcel Energy customers installing solar panels. Includes upfront capacity payment plus ongoing prod...
Minnesota state solar energy tax credit that provided up to $1,600 for residential solar installations. This program exp...
USDA program providing low-interest loans (up to $40,000) and grants (up to $10,000 for seniors 62+) to very-low-income ...
Grant for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet their di...
Grant for eligible veterans with certain service-connected disabilities to adapt a home to meet their disability needs. ...
Competitive grants to help communities in the Twin Cities metro area connect development and redevelopment to regional s...
Minnesota property tax refund for homeowners with property taxes that are high relative to their income. Maximum refund ...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
24 programs are currently listed for Cottage Grove, 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 Cottage Grove, 13 programs do not require repayment, 2 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.