Find grants, rebates, forgivable loans, and free programs for Crystal Lake, IL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Crystal Lake, IL, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 8 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 | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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 major home rehabilitation assistance for owner-occupied homes in Crystal Lake with income at or below 80% AMI. ...
Provides emergency home repair grants for owner-occupied households in Crystal Lake with income at or below 50% AMI. Add...
Provides accessibility modifications for owner-occupied homes in Crystal Lake for seniors and persons with disabilities ...
Provides free lead hazard removal for pre-1978 homes in Crystal Lake with children under 6 years old. Program covers lea...
Provides cost-sharing assistance for private sewer lateral repairs and replacements for Crystal Lake homeowners. City co...
Provides low-interest rehabilitation loans for owner-occupied homes throughout Illinois, including Crystal Lake. Loans u...
Federal weatherization program administered by Illinois DCEO providing free home energy efficiency improvements for inco...
ComEd offers rebates for energy-efficient home improvements including smart thermostats ($75), insulation (up to $500), ...
Free energy-efficiency upgrades for income-qualified ComEd customers in Crystal Lake. Includes LED lighting, refrigerato...
Nicor Gas offers rebates for qualifying natural gas equipment and home improvements including furnaces ($500-$1,000), wa...
Free weatherization and energy-efficiency services for income-qualified Nicor Gas customers in Crystal Lake. May include...
Illinois Shines provides upfront incentives for residential solar panel installations in Crystal Lake through Renewable ...
Enhanced solar incentive for income-qualified Crystal Lake homeowners at or below 80% AMI. Provides higher incentive rat...
ComEd offers rebates for air-source heat pump installations in Crystal Lake. Rebate amounts vary by efficiency rating an...
USDA provides grants up to $10,000 (seniors 62+) and loans up to $20,000 for low-income homeowners in eligible rural are...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a family member's home where they reside. Available to ...
Provides home repair grants for senior homeowners age 60+ in McHenry County including Crystal Lake. Covers critical heal...
Provides emergency home repair assistance for low-income homeowners in McHenry County including Crystal Lake. Addresses ...
Federal HOME funds administered through IHDA provide homeowner rehabilitation assistance in Illinois including Crystal L...
Allows Illinois seniors age 65+ with household income under $65,000 to defer all or part of property tax increases on th...
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 Crystal Lake, 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 Crystal Lake, 17 programs do not require repayment, 3 are forgivable loans, and 3 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.