Find grants, rebates, forgivable loans, and free programs for Monroe, NC, filtered to your situation.
As of June 2026, 20 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Monroe, NC, with individual awards up to $126,526. 5 programs target seniors, 3 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 13 | 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...
Federally-funded program that provides free energy efficiency improvements to income-qualified households in Union Count...
Rebate for Duke Energy Progress customers in Monroe who install qualifying high-efficiency electric heat pumps with a mi...
Comprehensive home energy efficiency program offering rebates for insulation, air sealing, duct sealing, water heaters, ...
Provides grants up to $10,000 for very-low-income seniors (62+) to remove health and safety hazards, and loans up to $20...
Affordable home repair loan program for low- to moderate-income homeowners in North Carolina. Offers fixed-rate loans at...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a family member's home where they reside. Available for...
State-funded program providing free lead testing, risk assessments, and abatement services for homes with children under...
Provides minor home repair grants for Union County residents age 60 and older. Covers essential repairs to maintain safe...
Rebate program for Duke Energy Progress customers who install qualifying residential solar photovoltaic systems. Rebate ...
Provides property tax relief for North Carolina homeowners age 65 or older, or totally and permanently disabled, with in...
Property tax exclusion for disabled veterans who are NC residents. Excludes first $45,000 of appraised home value from t...
Federal HOME funds administered through local nonprofits to provide major home rehabilitation for low-income homeowners....
Free energy efficiency upgrades for income-qualified Duke Energy Progress customers. Includes free home energy assessmen...
Additional funds available to first-time homebuyers using NC Home Advantage Mortgage to cover necessary repairs identifi...
Rebate for Duke Energy Progress customers who install qualifying high-efficiency electric water heaters. Rebate amounts:...
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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20 programs are currently listed for Monroe, 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 Monroe, 13 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.