Find grants, rebates, forgivable loans, and free programs for Lowell, MA, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Lowell, MA, with individual awards up to $126,526. 8 programs target seniors, 2 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 | 21 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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...
CDBG-funded program providing forgivable loans to low- and moderate-income homeowners in Lowell for major home repairs a...
City-funded lead hazard abatement for Lowell properties built before 1978 where children under 6 reside or frequently vi...
Provides grants to income-eligible Lowell homeowners to install accessibility modifications such as ramps, widened doorw...
Provides emergency and safety-related home repairs for Lowell homeowners age 62 and older with moderate incomes. Covers ...
Free home energy assessment with instant energy-saving products installed at no cost, plus rebates on insulation, air se...
Rebates for air-source and ground-source heat pumps installed in Lowell homes. Includes both ducted and ductless systems...
Rebates for energy-efficient water heaters including heat pump water heaters and high-efficiency gas models. Available t...
Free comprehensive weatherization services for income-eligible Lowell households including insulation, air sealing, heat...
Low-interest home improvement loans for Massachusetts homeowners to finance repairs, renovations, and energy efficiency ...
Low-interest loans to finance lead paint removal and abatement in Massachusetts homes built before 1978. Available state...
Competitive-rate solar loans for Massachusetts homeowners to finance residential solar photovoltaic installations. Lowel...
Local rebate for Lowell homeowners who install solar photovoltaic systems, designed to supplement state and federal sola...
State incentive for residential battery energy storage systems paired with solar installations. Helps Lowell homeowners ...
Financial assistance for income-eligible Lowell homeowners required to connect to public sewer or repair/replace failing...
Low-interest loan program for Lowell homeowners to repair or replace water service laterals from the main to the home. R...
Federal loans and grants for very-low-income homeowners in eligible rural areas near Lowell to repair, improve, or moder...
Grants for veterans with certain service-connected disabilities to adapt or purchase a home to meet their accessibility ...
Grants for veterans with certain service-connected disabilities to adapt an existing home for accessibility. Lowell vete...
Low-interest loans for Massachusetts homeowners to repair or replace failing septic systems to meet Title 5 requirements...
Federally funded weatherization services for low-income Lowell households administered by Community Teamwork. Includes i...
Enhanced heat pump incentives for income-eligible Lowell households served by Eversource or National Grid. Can cover up ...
State tax credit equal to 20% of qualified rehabilitation expenses for income-producing historic buildings in Lowell. Ca...
Massachusetts tax credit for seniors age 65+ to reduce property tax or rent burden. Lowell residents may claim credit on...
Allows Lowell homeowners age 65+ to defer property tax payments until the home is sold. Tax liability accrues with inter...
Property tax exemption for Lowell homeowners age 70+ who meet income and asset limits. Reduces annual property tax bill ...
Massachusetts Solar Massachusetts Renewable Target (SMART) program provides performance-based incentives for solar insta...
Emergency assistance for Lowell residents affected by federally declared disasters or local emergencies. Provides grants...
Low-interest mortgage loans for first-time homebuyers in Lowell with down payment assistance options. Income limits and ...
Helps income-eligible Massachusetts households pay heating bills during the winter season. Administered through Communit...
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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33 programs are currently listed for Lowell, 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 Lowell, 21 programs do not require repayment, 1 is forgivable loan, 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.