Find grants, rebates, forgivable loans, and free programs for Hartford, CT, filtered to your situation.
As of June 2026, 37 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Hartford, CT, with individual awards up to $806,500. 10 programs target seniors, 5 serve veterans, and 12 require no income limit.
Data last verified 2026-04-03. 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 | 7 | Refunded to you after purchase | Energy-efficiency upgrades |
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The City of Hartford's Housing Preservation Loan Fund offers low-interest loans to homeowners for needed repairs and imp...
The Sustainable Housing Solutions Program provides additional housing assistance to homeowners with 1-6 unit properties ...
The CT Home Improvement Program is part of Governor Lamont's $30 million CT Home Funds initiative, providing low-interes...
Hartford administers HUD Community Development Block Grant (CDBG) funds as an Entitlement Community, allocating resource...
Habitat for Humanity of North Central Connecticut serves the Hartford area, building over 350 homes in 37 years and help...
The HES-IE program provides no-cost in-home energy assessments and on-the-spot improvements to income-eligible Connectic...
Eversource Connecticut customers can receive heat pump rebates of $250-$500 per ton for air source heat pump installatio...
Energize CT offers rebates of up to $2.00 per square foot for qualifying attic insulation upgrades, plus additional reba...
Connecticut's WAP, administered by DEEP through the Community Action Agency network, provides free weatherization servic...
Connecticut's Energy Assistance Program (CEAP) provides heating bill assistance to income-eligible households, ranging f...
The Connecticut Housing Finance Authority offers below-market 30-year fixed mortgages and down payment assistance to inc...
The VA's SAH grant (up to $126,526 in FY2026) helps veterans with severe service-connected disabilities purchase or modi...
VA-backed home loans allow eligible Hartford-area veterans, service members, and surviving spouses to purchase or refina...
Connecticut provides property tax assessment exemptions for qualifying veterans and their surviving spouses. Basic warti...
Connecticut's Circuit Breaker program provides an annual property tax credit of up to $1,250 for married couples and $1,...
The FHA 203(k) loan allows homebuyers and existing owners in Hartford to finance both the purchase (or refinance) and re...
USDA Section 504 provides loans at 1% interest up to $40,000 to very-low-income homeowners in eligible rural areas for c...
The 25C tax credit covers 30% of costs for qualifying home energy improvements, up to $3,200 annually. Up to $2,000 for ...
Connecticut launched the IRA-funded Home Electrification and Appliance Rebate (HEAR) program through Energize CT, provid...
Greater Hartford VITA sites provide free federal and state income tax preparation for qualifying residents, including ac...
The Hartford Land Bank acquires vacant, abandoned, and tax-delinquent properties for rehabilitation and return to produc...
HUD-approved housing counselors in Hartford provide free or low-cost guidance on homebuying, repair financing, foreclosu...
CHFA's Disabled Persons Homeownership Mortgage provides a below-market interest rate mortgage specifically for homebuyer...
The IRA's Residential Clean Energy Credit offers Hartford homeowners a 30% federal tax credit with no cap for qualifying...
Eversource and Connecticut Natural Gas (CNG) customers in Hartford can receive rebates on qualifying high-efficiency hea...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Capital Workforce Partners serves the Hartford region as the local workforce development board, administering WIOA Title...
Connecticut's Care4Kids program provides child care subsidies to low-income working families. Families choose from any l...
Hartford Public Schools and Community Renewal Team operate Head Start and Early Head Start programs in Hartford. These f...
The SBA Connecticut District Office serves small businesses in Hartford and throughout Connecticut with access to SBA Mi...
Hartford's Community Development Block Grant (CDBG)-funded Small Business Revolving Loan Fund provides below-market-rate...
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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37 programs are currently listed for Hartford, including City of Hartford Housing Preservation Loan Fund, Hartford Sustainable Housing Solutions, Promise Zone Program, CT Home Improvement Program (Connecticut Home Funds).
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Hartford, 19 programs do not require repayment, 2 are forgivable loans, and 7 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.