Find grants, rebates, forgivable loans, and free programs for Duluth, MN, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Duluth, MN, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 13 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 21 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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 forgivable loans up to $30,000 for major home repairs for income-qualified owner-occupants in Duluth. Loan is f...
Emergency grant for owner-occupied homes facing immediate health or safety hazards. Available to households at or below ...
HUD-funded program to reduce lead-based paint hazards in pre-1978 homes in St. Louis County where children under 6 resid...
Federally funded weatherization program administered by Lake Superior Community Health Center (LSSA) for Duluth-area res...
Provides deferred, low-interest loans to income-qualified Minnesota homeowners for major home repairs and improvements. ...
Two-person team visits your home to install energy-saving measures including LED bulbs, smart power strips, low-flow sho...
Rebate for installing qualified cold-climate air source heat pumps in Minnesota Power service territory. Provides $600 p...
Rebate for adding insulation to attics, walls, or crawl spaces in Minnesota Power service territory. Must meet minimum R...
Rebate for installing qualifying electric water heaters including heat pump water heaters and high-efficiency electric m...
Production-based incentive for residential solar installations in Minnesota Power territory. Provides monthly credits fo...
Low-interest loan program for repair or replacement of private sanitary sewer laterals in Duluth. Loan added to property...
Provides grants for accessibility modifications to owner-occupied homes in Duluth where a household member has a documen...
Grant program for senior homeowners age 62+ in Duluth needing home repairs to age in place safely. Covers health and saf...
Low-interest loans and grants for very low-income homeowners in eligible rural areas near Duluth to repair, improve, or ...
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 in which they will reside. Avail...
Federal HOME Investment Partnerships Program funds administered by Minnesota Housing to assist low-income homeowners wit...
Home repair and rehabilitation assistance for enrolled Fond du Lac Band members residing in the Duluth service area. Pro...
Allows homeowners age 65+ with household income under $96,000 to defer payment of property taxes. State pays taxes to co...
Refunds a portion of property taxes or rent paid by lower- and middle-income Minnesota homeowners and renters. Based on ...
Helps low-income Minnesota households pay heating costs during winter months. Administered locally by Lake Superior Comm...
Emergency assistance for Minnesota households facing heating crisis such as utility shutoff, furnace failure, or running...
Cost-share rebate for residential property owners installing rain gardens or other approved stormwater best management p...
Matching grant for exterior preservation work on homes in Duluth's locally designated historic districts. Covers restora...
State disaster recovery assistance for homeowners affected by federally declared disasters in Minnesota. Programs activa...
HUD-certified homebuyer education classes required for most down payment assistance programs and recommended for all fir...
City-rehabilitated foreclosed homes sold at below-market prices to income-qualified buyers. Homes receive full renovatio...
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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31 programs are currently listed for Duluth, 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 Duluth, 21 programs do not require repayment, 1 is forgivable loan, and 5 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.