Find grants, rebates, forgivable loans, and free programs for Ferndale, WA, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ferndale, WA, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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...
Federally funded program administered by Opportunity Council providing free energy efficiency upgrades to income-qualifi...
State-sponsored mortgage program offering down payment assistance and competitive interest rates for first-time homebuye...
PSE offers rebates for qualifying ductless heat pump installations in electric-heated homes. Rebate amounts vary by syst...
Professional energy assessment of your home with instant installation of energy-saving measures like LED bulbs, programm...
Rebate for installing a qualifying ENERGY STAR certified heat pump water heater. These units use significantly less elec...
PSE provides rebates for adding insulation to attics, walls, floors, and crawl spaces in electrically heated homes. Reba...
Rebate for purchasing and installing a qualifying Wi-Fi enabled smart thermostat. Smart thermostats can save up to 10-15...
Low-interest loans up to $40,000 for very low-income homeowners in eligible rural areas to repair, improve, or modernize...
Grants up to $10,000 for very low-income homeowners age 62 or older in eligible rural areas to remove health and safety ...
Grant for eligible veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. ...
Grant for eligible veterans with certain service-connected disabilities to adapt a home for independent living. For vete...
CDBG-funded forgivable loan for major home repairs for low-income owner-occupied households in Ferndale city limits. Loa...
Low-interest loan program to repair or replace failing septic systems in Whatcom County. Available to homeowners who nee...
State-funded program to identify and reduce lead-based paint hazards in homes built before 1978 where children under 6 r...
CDBG-funded grants for accessibility modifications to homes occupied by persons with disabilities or seniors. Covers ram...
Emergency repair grants for very low-income homeowners in Whatcom County facing immediate health and safety hazards. Cov...
Federal energy assistance program to help low-income households pay heating bills and address energy emergencies. Admini...
Low-interest home repair loans for income-qualified homeowners through participating lenders statewide. Can be combined ...
Rebate for residential electric vehicle charging station installation. Supports PSE's transportation electrification goa...
The state solar production incentive program closed to new applications in June 2021. Existing participants continue to ...
Property tax exemption for senior citizens (61+) and disabled persons meeting income requirements. Exempts a portion of ...
Allows senior citizens (60+) and disabled persons to defer payment of property taxes on their principal residence. The s...
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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26 programs are currently listed for Ferndale, 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 Ferndale, 15 programs do not require repayment, 1 is forgivable loan, 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.