Find grants, rebates, forgivable loans, and free programs for Cranston, RI, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cranston, RI, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | 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...
Provides forgivable loans for major home repairs to owner-occupied homes in Cranston for households at or below 80% AMI....
Provides emergency home repair grants for owner-occupied households in Cranston with income at or below 50% AMI. Covers ...
Federally-funded program providing free weatherization services to income-eligible Rhode Island households, including in...
HUD-funded program to reduce lead-based paint hazards in qualifying Rhode Island homes built before 1978 with children u...
Provides down payment and closing cost assistance for first-time homebuyers in Rhode Island purchasing homes in eligible...
Low-interest loan for down payment and closing costs for first-time homebuyers purchasing in Rhode Island. Loan is subor...
Rebates for qualifying air-source and ground-source heat pumps installed by approved contractors. Additional income-qual...
Rebates covering up to 75% of the cost of attic, wall, and basement insulation improvements completed by approved contra...
Rebates for ENERGY STAR certified heat pump water heaters and high-efficiency gas water heaters installed by licensed pl...
Instant rebate for qualifying smart thermostats purchased through the online marketplace or at participating retailers. ...
Provides incentives for residential solar photovoltaic installations through performance-based incentives and upfront re...
Allows Rhode Island seniors age 65+ with limited income to defer payment of property taxes on their primary residence. D...
Provides forgivable loans for accessibility modifications to homes occupied by persons with disabilities or seniors. Cov...
Provides cost-sharing grants for replacement of failed private sewer laterals for income-qualified owner-occupied proper...
Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their h...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their disability-related ne...
Helps veterans with certain service-connected disabilities adapt their permanent residence to accommodate their disabili...
Federally-funded program providing forgivable loans for substantial home rehabilitation for low-income homeowners. Loan ...
Provides safety and accessibility modifications for low-income seniors age 62+ to help them remain safely in their homes...
Emergency grant for replacement of failed heating systems for low-income homeowners, particularly seniors. Covers instal...
Federally-funded program providing heating assistance to income-eligible Rhode Island households. Helps pay heating bill...
Provides forgivable loans for replacement of old, inefficient windows with ENERGY STAR certified windows. Reduces energy...
Low-interest loans for repair, replacement, or upgrade of failing septic systems. Available to homeowners throughout Rho...
Provides access to community solar projects for income-qualified Rhode Island households, offering guaranteed savings on...
Provides discounted electricity rates for income-qualified customers, reducing monthly bills by 25-40%. Available to hou...
Provides matching grants for preservation and restoration of historic homes listed on the National Register or contribut...
Emergency grant program for roof repairs or replacement when the existing roof poses an immediate health or safety threa...
Provides forgivable loans for major structural and foundation repairs for owner-occupied homes. Given Cranston's 38% pre...
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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32 programs are currently listed for Cranston, 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 Cranston, 19 programs do not require repayment, 5 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.