Find grants, rebates, forgivable loans, and free programs for Derby, CT, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Derby, CT, with individual awards up to $126,526. 7 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 | 16 | 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...
CDBG-funded program providing forgivable loans for major home repairs to income-eligible Derby homeowners. Loan is forgi...
Provides emergency repair grants for very low-income Derby homeowners facing immediate health and safety hazards. Grant ...
Provides grants to Derby homeowners for accessibility modifications to accommodate residents with disabilities or mobili...
Assists income-eligible Derby homeowners with the cost of replacing or repairing defective sewer lateral connections. Pr...
Federally-funded weatherization program administered by Connecticut DEEP that provides free energy efficiency improvemen...
State-funded program to remove lead-based paint hazards in homes built before 1978 with children under age 6 or pregnant...
CHFA offers down payment and closing cost assistance loans to first-time homebuyers in Derby purchasing homes up to $406...
Eversource offers comprehensive home energy assessments and rebates for Derby customers. Income-qualified households rec...
Eversource provides rebates for Derby homeowners installing eligible air-source or ground-source heat pumps. Rebates ran...
Connecticut Green Bank offers performance-based incentives for residential solar photovoltaic systems in Derby. Incentiv...
Southern Connecticut Gas offers rebates to Derby customers who upgrade to high-efficiency natural gas furnaces, boilers,...
USDA provides grants up to $10,000 for very low-income seniors age 62+ to remove health and safety hazards in eligible r...
VA grant for eligible veterans with certain service-connected disabilities to construct or modify a home for wheelchair ...
VA grant for veterans with certain service-connected disabilities to adapt a home to accommodate their disability. Cover...
Federally-funded HOME program administered by Connecticut DOH provides forgivable loans for major home repairs to income...
Connecticut offers grants to low-income seniors age 60+ for minor home repairs that help them age safely in place. Cover...
Connecticut provides state-funded property tax relief to qualifying elderly and totally disabled homeowners. Derby admin...
Operation Fuel is a Connecticut nonprofit providing emergency energy assistance to households in crisis who are ineligib...
Federally-funded Low Income Home Energy Assistance Program (LIHEAP) administered by Connecticut DSS helps low-income Der...
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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23 programs are currently listed for Derby, 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 Derby, 16 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.