Home Improvement Grants in Merrillville.

Find grants, rebates, forgivable loans, and free programs for Merrillville, IN, filtered to your situation.

As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Merrillville, IN, with individual awards up to $150,000. 7 programs target seniors, 2 serve veterans, and 11 require no income limit.

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Showing 26 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $8,000 per household

Indiana Weatherization Assistance Program (WAP)

Federally funded program administered by IHCDA that provides free weatherization services to low-income households in In...

Weatherization
Up to $25,000 forgivable loan

IHCDA Owner-Occupied Rehabilitation Program

State-funded program providing forgivable loans to low-income homeowners for major home repairs and rehabilitation. Loan...

Home Repair
Up to $15,000 grant

Lake County Home Improvement Program

County-funded home repair grant program for low-income homeowners in Lake County. Provides assistance for health and saf...

Home Repair
Up to $5,000 emergency grant

Merrillville CDBG Emergency Home Repair

CDBG-funded emergency repair grants for very low-income homeowners in Merrillville facing urgent health and safety hazar...

Emergency
Up to $10,000 for accessibility

Merrillville Home Accessibility Modification Grant

Provides grants for home accessibility modifications for residents with disabilities or mobility limitations. Covers ram...

Seniors & Disability
Free lead hazard removal

Indiana Lead-Safe Housing Program

HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under age...

Home Repair
Up to $2,500 in rebates

NIPSCO Home Energy Efficiency Rebates

NIPSCO offers rebates to residential customers who complete eligible energy efficiency improvements. Rebates available f...

Weatherization
Up to $1,500 HVAC rebate

NIPSCO High-Efficiency HVAC Rebate

NIPSCO offers rebates for installation of high-efficiency natural gas furnaces and boilers. Minimum AFUE rating of 95% r...

Weatherization
Free energy efficiency services

NIPSCO Income-Qualified Energy Efficiency Program

Free home energy improvements for income-qualified NIPSCO customers. Includes energy assessment, LED bulbs, insulation, ...

Energy
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

Federal program providing loans and grants to very low-income rural homeowners for repairs to make homes safe and sanita...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Grant for Veterans with certain service-connected disabilities to construct or adapt housing to meet their needs. Eligib...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for Veterans with certain service-connected disabilities to adapt a home for independent living. Eligible for vete...

Veterans
Credit for excess solar generation

Indiana Net Metering for Solar

Indiana net metering allows homeowners with solar installations to receive retail-rate credit for excess electricity gen...

Solar/Renewable
30% tax credit

Federal Residential Clean Energy Credit (Solar ITC)

Federal tax credit covering 30% of the cost of installing solar panels, battery storage, and other clean energy equipmen...

Solar/Renewable
Up to $14,000 assessed value deduction

Indiana Over-65 Property Tax Deduction

Indiana property tax deduction for homeowners age 65 or older. Reduces assessed valuation by up to $14,000, lowering pro...

Property Tax Relief
Up to 60% of assessed value deduction

Indiana Homestead Standard Deduction

Indiana's Homestead Standard Deduction reduces the assessed value of your primary residence by up to 60% of the assessed...

Property Tax Relief
Up to $35,000 forgivable loan

Indiana HOME Investment Partnerships Program

Federally funded HOME program providing forgivable rehabilitation loans to low-income homeowners for major home repairs ...

Home Repair
Up to $3,000 grant

Lake County Senior Home Repair Assistance

Grant program for low-income seniors age 60+ in Lake County to address minor home repairs and modifications that enable ...

Seniors & Disability
Up to $5,000 for lateral repair

Merrillville Water/Sewer Lateral Repair Program

Financial assistance program for income-qualified homeowners in Merrillville to repair or replace failing water or sewer...

Home Repair
Up to $500 in appliance rebates

NIPSCO ENERGY STAR® Appliance Rebates

NIPSCO offers rebates for purchasing ENERGY STAR certified appliances including water heaters, smart thermostats, and ot...

Weatherization
Up to $150,000 for disaster recovery

Indiana Disaster Recovery Housing Program

CDBG Disaster Recovery program activated following major disasters. Provides grants for home repair, reconstruction, and...

Disaster
Up to $20,000 forgivable loan

Merrillville Housing Rehabilitation Standards Program

CDBG-funded program providing forgivable loans for comprehensive home rehabilitation to meet local housing standards. Ad...

Home Repair

💡 Stack programs to maximize your savings

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.

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