Find grants, rebates, forgivable loans, and free programs for Fargo, ND, filtered to your situation.
As of June 2026, 41 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Fargo, ND, with individual awards up to $126,526. 13 programs target seniors, 3 serve veterans, and 16 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 31 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | 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...
Provides down payment and closing cost assistance to first-time homebuyers in North Dakota. Can be combined with FirstHo...
Federal weatherization program administered by the state to improve energy efficiency in low-income homes. Services incl...
Provides forgivable loans for substantial home repairs to income-eligible owner-occupants in Fargo. Loan is forgiven aft...
Provides emergency repair grants for owner-occupied homes when urgent health or safety hazards exist. Priority given to ...
Provides grants to modify homes for accessibility for residents with disabilities. Covers ramps, grab bars, wider doorwa...
Assists low-income homeowners with the cost of private sewer lateral repairs or replacements. Priority given to senior c...
HUD-funded program to reduce lead-based paint hazards in homes built before 1978 with children under age 6. Services inc...
Offers rebates for energy-efficient home improvements including insulation, air sealing, high-efficiency HVAC systems, w...
Provides rebates for installation of qualifying air-source and ground-source heat pumps. Enhanced rebates available for ...
Offers discounted professional air conditioning tune-up service to improve efficiency and prevent breakdowns. Service in...
Provides no-cost home weatherization services to income-qualified Xcel Energy customers. Services include insulation, ai...
Provides upfront incentives and ongoing credits for residential solar photovoltaic installations. Customers receive prod...
Offers a state income tax credit for installation of renewable energy systems including solar, wind, and geothermal. Cre...
Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes o...
Provides grants to veterans with certain service-connected disabilities to build, buy, or modify a home to meet their di...
Provides grants to veterans with certain service-connected disabilities to make accessibility modifications to a home ow...
Provides low-interest home improvement loans to owner-occupants statewide for necessary repairs and improvements. Design...
Provides property tax relief to North Dakota residents age 65 or older with income below certain limits. Credit amount v...
Provides property tax exemption for disabled veterans with service-connected disabilities rated at 50% or higher. Totall...
Provides small grants to low-income seniors age 60+ in Cass County for minor home repairs and modifications that help th...
Provides funding for flood mitigation projects in NFIP-participating communities to reduce or eliminate long-term flood ...
Federal HOME funds used for owner-occupied rehabilitation in Fargo. Provides forgivable loans for major repairs to low a...
Provides 5-year property tax abatement on increased assessed value for substantial rehabilitation of historic properties...
Youth employment program that provides free minor weatherization and repair services to low-income seniors and people wi...
Provides emergency assistance for water heater replacement when existing unit has failed and poses health or safety conc...
Provides forgivable loans for foundation repairs necessary to maintain structural integrity and prevent further damage. ...
Provides financial assistance to low-income homeowners for radon testing and mitigation system installation. North Dakot...
Provides cost-share funding for residential tree planting to increase urban canopy and improve energy efficiency. Homeow...
Offers HUD-certified homebuyer education courses covering the home buying process, mortgage options, budgeting, and home...
Provides forgivable loans for repairs and improvements to owner-occupied manufactured/mobile homes in Fargo. Covers stru...
Provides free smoke and carbon monoxide detectors to Fargo residents, with priority for seniors and people with disabili...
Provides home repair and improvement assistance to enrolled members of the Mandan, Hidatsa, and Arikara Nation living on...
Professional home energy audit identifies opportunities to save energy and money. Audit includes blower door test, infra...
Provides grants for chimney and fireplace repairs that pose fire or carbon monoxide hazards. Priority for homes with sen...
Provides forgivable loans for replacement of deteriorated or inefficient windows with energy-efficient units. Must meet ...
Provides assistance for integrated pest management services to low-income households with children or elderly residents....
Helps income-eligible North Dakota households pay heating costs during the winter season. Administered through local soc...
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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41 programs are currently listed for Fargo, 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 Fargo, 31 programs do not require repayment, 5 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.