Find grants, rebates, forgivable loans, and free programs for Elgin, IL, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Elgin, IL, with individual awards up to $150,000. 7 programs target seniors, 3 serve veterans, and 15 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 | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 major home repairs for owner-occupied households in Elgin with income at or below 80% AMI. Loan is forgiven aft...
Provides emergency grants for urgent health and safety repairs for very low-income homeowners in Elgin. Must pose immedi...
Provides grants for accessibility modifications to Elgin homes for elderly or disabled residents. Covers ramps, grab bar...
Provides cost-share reimbursement for private sewer lateral repairs or replacements in Elgin. City covers up to 50% of e...
Federally funded weatherization program administered by the State of Illinois. Provides free energy efficiency improveme...
Low-interest loans for home repairs and improvements to income-eligible Illinois homeowners. Can be combined with first ...
State-funded program to remove lead-based paint hazards in homes built before 1978 where children under 6 reside. Servic...
Comprehensive home energy assessment for $25 includes LED bulbs, water-saving devices, and personalized recommendations....
Rebates for ENERGY STAR certified appliances including refrigerators, freezers, and room air conditioners. Available to ...
Free comprehensive weatherization services for income-qualified ComEd customers. Includes insulation, air sealing, windo...
Rebates for high-efficiency natural gas equipment including furnaces, boilers, water heaters, and insulation. Available ...
Comprehensive home energy efficiency rebates for insulation, air sealing, windows, and doors. Must complete a pre-approv...
Free energy efficiency upgrades for income-qualified Nicor Gas customers. Services may include furnace replacement, wate...
Federal tax credit covering 30% of the cost of installing a residential solar photovoltaic system and battery storage. A...
Illinois Shines provides upfront incentive payments for residential solar installations through the Adjustable Block Pro...
Rebate for purchasing and installing a qualifying smart thermostat. Helps manage energy use and reduce heating and cooli...
Low-interest loans and grants for very low-income homeowners in eligible rural areas near Elgin to repair, improve, or m...
Grant for veterans with certain service-connected disabilities to purchase, build, or modify a home to meet their disabi...
Grant for veterans with certain service-connected disabilities to modify a home they or a family member own. Covers modi...
Emergency home repair grants for Kane County senior homeowners age 60 and older. Covers urgent health and safety repairs...
State disaster recovery assistance activated after major federally declared disasters in Illinois. Provides grants for h...
Down payment and closing cost assistance for veterans, active military, first responders, teachers, and healthcare worke...
Federally funded HOME program administered by the City of Elgin provides forgivable loans for substantial rehabilitation...
Rebates for water-efficient fixtures and appliances including high-efficiency toilets, rain barrels, and smart irrigatio...
Free snow removal service for Elgin residents age 65+ or disabled who live alone or with another qualifying person. City...
Cost-share program for planting parkway trees in Elgin. City provides approved tree species and plants it; resident pays...
Rebate for purchasing and installing a Level 2 electric vehicle charging station at your Elgin home. Available to all Co...
Helps low-income Illinois households pay heating bills and provides crisis assistance for energy emergencies. Includes t...
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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32 programs are currently listed for Elgin, 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 Elgin, 21 programs do not require repayment, 3 are forgivable loans, and 6 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.