Home Improvement Grants in Crystal.

Find grants, rebates, forgivable loans, and free programs for Crystal, MN, filtered to your situation.

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Crystal, MN, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 15 require no income limit.

Data last verified 2026-06-09. How we verify our data.

Types of help in this city

Funding typeProgramsRepaid?Best for
Grants14Never repaidIncome-qualified homeowners
Forgivable loans2Forgiven after a residency periodLarger repairs with no money down
Rebates7Refunded to you after purchaseEnergy-efficiency upgrades

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Showing 25 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $50,000 deferred loan

Minnesota Housing Rehabilitation Deferred Loan

Provides deferred, 0% interest loans for major home repairs to income-eligible homeowners statewide. No monthly payments...

Home Repair
Up to $8,000 free weatherization

Minnesota Weatherization Assistance Program (WAP)

Federal and state-funded program providing free energy efficiency improvements to income-qualified households. Services ...

Weatherization
Free lead hazard reduction

Minnesota Lead-Safe Homes Program

State-funded lead hazard control for homes built before 1978 with children under age 6 or pregnant women. Services inclu...

Home Repair
Up to $30,000 grant

Hennepin County Accessibility Improvement Grants

Provides grants to income-eligible homeowners in Hennepin County for accessibility modifications such as ramps, grab bar...

Seniors & Disability
Up to $35,000 forgivable loan

Crystal Owner-Occupied Rehabilitation Program

CDBG-funded forgivable loan for major home repairs for owner-occupied homes in Crystal. Loan is forgiven over 5 years if...

Home Repair
Up to $6,000 grant

Crystal Emergency Furnace Grant

Emergency grant for furnace replacement or major repair for income-qualified Crystal homeowners facing an immediate heat...

Emergency
Up to $15,000 low-interest loan

Crystal Sewer Lateral Replacement Loan

Low-interest loan program for Crystal homeowners to repair or replace failing private sewer laterals. Interest rate set ...

Home Repair
Subsidized $70 visit (retail $400+)

Xcel Energy Home Energy Squad®

In-home energy visit providing instant rebates, energy-saving installations (LED bulbs, faucet aerators, pipe insulation...

Energy
$60 rebate on $120 service

Xcel Energy AC Efficiency Tune-Up

Professional air conditioning tune-up and inspection by qualified contractor for $120 (after $60 Xcel rebate). Service i...

Energy
Up to $3,000 rebate

Xcel Energy Air Source Heat Pump Rebate

Rebate for installing qualifying air source heat pumps in Xcel Energy service territory. Rebate amount varies by system ...

Energy
Up to $1,500 rebate

Xcel Energy Home Insulation Rebate

Rebate for adding qualifying insulation in attics, walls, basements, or crawl spaces. Must meet minimum R-value requirem...

Weatherization
$75 rebate plus free pickup

Xcel Energy Refrigerator & Freezer Recycling

Free pickup and responsible recycling of old working refrigerators and freezers. Receive $75 per qualifying unit (up to ...

Energy
Performance-based incentive

Xcel Energy Solar*Rewards Program

Incentive program for installing grid-connected solar PV systems. Incentive paid based on system performance over time. ...

Solar/Renewable
Up to $1,200 rebate

CenterPoint Energy High-Efficiency Furnace Rebate

Rebate for installing ENERGY STAR® certified natural gas furnaces with 95% AFUE or higher. Rebate amount varies by effic...

Energy
Up to $200 rebate

CenterPoint Energy Water Heater Rebate

Rebate for installing ENERGY STAR® certified natural gas storage or tankless water heaters. Rebate varies by type and ef...

Energy
$100 rebate

CenterPoint Energy Smart Thermostat Rebate

Rebate for purchasing and installing qualifying smart thermostats that control natural gas heating. Must be ENERGY STAR®...

Energy
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Grants & Loans

Grants up to $27,500 (age 62+) and loans up to $40,000 (1% interest) for low-income homeowners in eligible rural areas t...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Helps veterans with certain service-connected disabilities buy, build, or modify a home to meet their accessibility need...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Helps veterans with certain service-connected disabilities adapt a family member's home or their own home for accessibil...

Veterans
Free matching service

Minnesota Senior Home Sharing Program

Connects senior homeowners with compatible housemates who can provide rent, companionship, or assistance with home maint...

Seniors & Disability
Up to $3,100 refund

Minnesota Homestead Credit Refund (Property Tax Refund)

Refunds part of property taxes or rent paid for qualifying Minnesota homeowners and renters. Higher refunds for seniors,...

Property Tax Relief

Stack programs to maximize your savings

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.

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Grant-Approved Contractors in Crystal

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Frequently asked questions

What home improvement grants are available in Crystal, MN?

25 programs are currently listed for Crystal, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.

Do home improvement grants in Crystal have to be repaid?

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, 14 programs do not require repayment, 2 are forgivable loans, and 7 are rebates.

How do I apply for home repair grants in Crystal?

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.