Find grants, rebates, forgivable loans, and free programs for Ferndale, MI, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ferndale, MI, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 13 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 weatherization program administered through Oakland County to improve energy efficiency in income-eligi...
State-funded lead hazard control for homes where a child under 6 has elevated blood lead levels. Services include lead i...
CDBG-funded forgivable loan program for major home repairs for income-eligible homeowners in Ferndale. Loan is forgiven ...
Provides emergency home repair grants for urgent health and safety issues in owner-occupied homes. Priority given to sen...
CDBG-funded grant for accessibility modifications in owner-occupied homes where a resident has a documented disability. ...
Oakland County program providing minor home repairs and safety modifications for homeowners age 60 and older. Covers sma...
Free in-home energy assessment provided by DTE Energy. Includes instant installation of LEDs, low-flow showerheads, fauc...
Rebates for purchase of ENERGY STAR certified appliances and equipment. Includes rebates for heat pump water heaters, sm...
Rebates for installation of high-efficiency heating and cooling systems including air source heat pumps, central air con...
Rebates for adding insulation to attics, walls, and crawl spaces. Also covers air sealing improvements. Available to Con...
Comprehensive weatherization services at no cost for income-eligible DTE electric customers. Includes insulation, air se...
Federally funded HOME program providing deferred-payment loans for substantial rehabilitation of owner-occupied homes. L...
Federal program offering grants up to $10,000 for seniors 62+ and low-interest loans up to $27,500 for very-low-income h...
Grant for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate t...
Grant for eligible veterans with certain service-connected disabilities to adapt a family member's home where they will ...
Michigan program allowing homeowners age 62+ with household income under $40,000 to defer property tax payments. Deferre...
Michigan refundable income tax credit for homeowners and renters whose property taxes or rent exceed a certain percentag...
Refundable Michigan income tax credit to help low-income households pay heating costs. Available to homeowners and rente...
Federal tax credit equal to 30% of the cost of installing a solar energy system on your home. Covers solar panels, batte...
Net metering program allowing DTE customers with solar panels to receive bill credits for excess electricity sent back t...
Oakland County program providing grants for water and sewer lateral repairs for income-eligible homeowners. Covers emerg...
Matching grant program for exterior improvements to properties in Ferndale's downtown districts. Covers façade restorati...
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, 19 programs do not require repayment, 2 are forgivable loans, and 4 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.