Find grants, rebates, forgivable loans, and free programs for Detroit, MI, filtered to your situation.
As of June 2026, 48 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Detroit, MI, with individual awards up to $200,000. 13 programs target seniors, 6 serve veterans, and 22 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 32 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
Detroit's flagship 0% interest home repair loan program, running since 2015. Loans of $5K-$25K repaid over 10 years with...
Free critical repairs for low-income Detroit homeowners. At least one household member must be a senior (62+), child und...
$6.6 million ARPA-funded program for Detroit homeowners with disabilities and low-income seniors. Covers ramps, grab bar...
Safety and access improvements for low-income Detroit seniors and residents with disabilities. Covers roof leaks, furnac...
$3.3 million in home repair funding (Phase 3) for neighbors of the Detroit Assembly Complex, Mack (DAC-M) plant. Funded ...
HOPE (Homeowners Property Exemption) eliminates 10-100% of current-year property taxes for Detroit homeowners based on i...
Eliminates all remaining delinquent property tax debt for Detroit homeowners who are approved for both HOPE (property ta...
Free critical home repairs for low-income Detroit homeowners who are seniors (60+), veterans, have a disability, or have...
Volunteer-powered free home repairs for qualifying Southeast Michigan homeowners. Partners with ~40 organizations annual...
$20 million fund launched by the Gilbert Family Foundation, ProMedica, and DTE Energy, administered by Enterprise Commun...
HUD-funded minor home repair program operated by METRO (Metropolitan Economic Transitional Residency Organization) for C...
Free home energy efficiency improvements for Wayne County residents at or below 200% of the federal poverty level. Wayne...
DTE Energy provides free energy efficiency upgrades to low-income customers through the Energy Efficiency Assistance (EE...
DTE Energy offers rebates to all customers (not just low-income) on insulation, HVAC equipment, water heaters, and smart...
Michigan Low Income Home Energy Assistance Program (LIHEAP) pays heating and utility bills for households at or below 11...
State tax credit that helps low-income Michigan homeowners and renters pay heating costs. Up to $500 for a single person...
Michigan's $210 million IRA-funded home energy rebate program, launched statewide April 2025. Two programs: HOMES (up to...
Credit for Michigan homeowners and renters when property taxes exceed 3.5% of household income. For 2025, maximum credit...
Michigan fully exempts the homestead of veterans who are 100% permanently and totally disabled (VA-rated), or who receiv...
VA Home Improvements and Structural Alterations (HISA) Grant provides up to $6,800 lifetime for veterans with service-co...
Specially Adapted Housing (SAH) Grant: up to $126,526 for severely disabled veterans to buy, build, or adapt a home (usa...
Michigan Veterans Trust Fund provides one-time emergency financial assistance to veterans and their families facing temp...
FHA-insured home improvement loans up to $25,000. No equity required. Loans up to $7,500 require only your signature (no...
Finance purchase and renovation in one FHA-backed loan. Limited 203(k) covers non-structural repairs up to $75,000. Stan...
USDA 504 loans (up to $40,000, 1% interest) and grants (up to $10,000, for homeowners 62+) for very-low-income rural hom...
Detroit Land Bank Authority's Buy Back Program allows residents who are occupying a DLBA-owned home to purchase it, ofte...
Converts renters of tax-foreclosed occupied homes into homeowners. City acquires occupied properties before auction and ...
Southwest Solutions is a nonprofit CDFI offering no-interest home repair loans and housing services for Detroit homeowne...
The Detroit Housing Network connects residents to HUD-certified housing counselors who create action plans, help navigat...
Wayne Metro Community Action Agency is Detroit's primary community action organization. Administers WAP weatherization, ...
Wayne County administers HUD HOME Investment Partnerships Program funds for housing rehabilitation for low-income homeow...
Community Housing Impact & Preservation (CHIP) Program provides grants and forgivable loans for home rehabilitation. Inc...
Wayne County Land Bank and MSHDA-funded exterior home repair program for owner-occupied single-family homes in specific ...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Detroit offers down payment assistance through the City of Detroit Housing & Revitalization Department and MSHDA's state...
Free tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) program. Certified volunteers prepa...
Michigan Works! Southeast serves Detroit and Wayne County with WIOA-funded Individual Training Accounts, career services...
The SBA Michigan District Office in Detroit supports small businesses through the Microloan Program, 7(a) loans, and 504...
Detroit Development Fund (DDF) is a nonprofit CDFI providing small business loans from $5,000 to $200,000 for Detroit-ar...
Detroit homeowners can claim the 30% federal Solar ITC. DTE Energy has offered net metering and solar DG (distributed ge...
Michigan's Child Development and Care (CDC) Program provides subsidized child care to eligible low-income families. Pare...
Detroit operates Head Start and Early Head Start programs through multiple community agencies, providing comprehensive e...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
48 programs are currently listed for Detroit, including Detroit 0% Interest Home Repair Loan, Critical Home Repair Program, Detroit Home Accessibility Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Detroit, 32 programs do not require repayment, 3 are forgivable loans, and 2 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.