Find grants, rebates, forgivable loans, and free programs for Cumberland, RI, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cumberland, RI, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | 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...
CDBG-funded forgivable loan for major home repairs to owner-occupied homes in Cumberland. Loan is forgiven after 5 years...
Free lead hazard remediation for Cumberland homes built before 1978 with children under age 6. Funded through state and ...
Federally funded program providing free home energy improvements for income-eligible households. Services include insula...
Low-interest loan for accessibility modifications to homes for seniors or residents with disabilities. Covers ramps, wid...
Rebates for qualifying air-source and ground-source heat pump installations. Income-qualified customers may receive enha...
Rebates for attic, wall, and basement insulation improvements. Must complete a Home Energy Assessment before applying. E...
State tax credit equal to 25% of eligible solar installation costs, up to $5,000 per residential property. Stackable wit...
Performance-based solar incentive that pays fixed rates for solar electricity generation over 15-20 years. Provides pred...
Very low-interest loans up to $27,500 and grants up to $10,000 for very low-income homeowners in eligible rural areas to...
Grant for veterans with certain service-connected disabilities to purchase, construct, or modify a home to meet their di...
Grant for veterans with certain service-connected disabilities to adapt a home to accommodate their needs. Covers blindn...
Down payment and closing cost assistance for first-time homebuyers purchasing in Rhode Island. Grant does not need to be...
CDBG-funded grant for accessibility modifications to owner-occupied homes in Cumberland for residents with disabilities ...
Emergency repair grant for urgent health and safety issues in owner-occupied homes in Cumberland. Covers immediate hazar...
Home repair and modification grant specifically for Cumberland homeowners age 62 and older. Addresses critical health, s...
Financial assistance for repair or replacement of private sewer laterals in Cumberland. Low-income homeowners may qualif...
Rebate for purchase and installation of qualifying heat pump water heaters. Higher rebates available for income-qualifie...
Subsidized solar installations for income-qualified Rhode Island households. Participants receive solar electricity at r...
Low-interest loans for comprehensive home energy efficiency improvements. Interest rates as low as 3.99% APR with terms ...
State property tax credit for Rhode Island homeowners age 65+ or totally disabled with household income below program li...
Federal HOME funds administered by Rhode Island Housing for major rehabilitation of owner-occupied homes. Forgivable loa...
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 Cumberland, 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 Cumberland, 16 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.