Find grants, rebates, forgivable loans, and free programs for Gardner, MA, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Gardner, MA, with individual awards up to $126,526. 8 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 | 2 | 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 for owner-occupied housing rehabilitation in Gardner. Covers major systems repairs, structural...
Federally funded weatherization program providing free energy efficiency upgrades including insulation, air sealing, hea...
State-funded lead paint removal for Gardner homes built before 1978 where a child under 6 has an elevated blood lead lev...
Rebates for air-source and ground-source heat pump installations in Gardner homes. Incentives include equipment rebates,...
Mass Save covers 75% of insulation and air sealing costs for all Gardner customers, and 100% for income-eligible househo...
Rebates for ENERGY STAR appliances and equipment including water heaters, thermostats, dehumidifiers, and smart power st...
Solar Massachusetts Renewable Target (SMART) program pays Gardner solar customers per kilowatt-hour produced for 20 year...
Low-interest loans for residential solar and battery storage systems in Gardner. Offers below-market interest rates with...
USDA grants up to $10,000 and loans up to $40,000 for very low-income homeowners in eligible rural areas of Gardner to r...
Low-interest loans for septic system repair or replacement in Gardner. Loans up to $40,000 with competitive rates and te...
Grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home in Gardner...
Grant for veterans with certain service-connected disabilities to adapt a Gardner home. Covers entrance ramps, widened d...
Community Preservation Act funding for restoration and preservation of historic buildings in Gardner. Grants typically r...
Low-interest home improvement loans for Gardner homeowners. Funds can be used for repairs, renovations, additions, acces...
Refundable tax credit for Gardner homeowners age 65+ who paid property taxes exceeding 10% of income. Credit equals port...
Allows Gardner residents age 60+ to reduce property taxes by volunteering in city departments. Participants earn a tax c...
CDBG-funded grants for accessibility modifications to Gardner homes occupied by persons with disabilities. Covers ramps,...
Forgivable loans for repair or replacement of private sewer laterals in Gardner for income-eligible homeowners. Loan for...
Low-interest mortgages for first-time homebuyers purchasing in Gardner. Features down payment as low as 3%, competitive ...
ONE Mortgage provides down payment and closing cost assistance up to $25,000 for first-time homebuyers in Gardner. Featu...
Completely free energy efficiency upgrades for income-eligible Gardner residents including insulation, air sealing, LED ...
Federal program providing heating assistance to low-income Gardner households. Benefits help pay heating bills during wi...
Minor home repair grants for low-income homeowners in Gardner, with priority for seniors and persons with disabilities. ...
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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27 programs are currently listed for Gardner, 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 Gardner, 19 programs do not require repayment, 2 are forgivable loans, and 2 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.