Find grants, rebates, forgivable loans, and free programs for Naperville, IL, filtered to your situation.
As of June 2026, 30 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Naperville, IL, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 15 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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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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 weatherization program that helps income-qualified Illinois homeowners and renters reduce energy costs ...
Provides forgivable loans to income-qualified Illinois homeowners for accessibility modifications benefiting a household...
ComEd offers rebates for energy-efficient appliances and improvements including heat pump water heaters, insulation, air...
Rebate program for Nicor Gas customers who install qualifying high-efficiency furnaces (95% AFUE or higher). Rebate amou...
Rebate for Naperville homeowners who install qualifying high-efficiency boilers (95% AFUE or higher) through Nicor Gas s...
Free weatherization services for income-qualified ComEd customers including air sealing, insulation, LED lighting, and o...
Free home energy upgrades for income-qualified Nicor Gas customers including furnace repair/replacement, insulation, pro...
State-funded program to reduce lead hazards in homes with children under age 6 who have elevated blood lead levels. Cove...
USDA program providing loans and grants to very-low-income homeowners to repair, improve, or modernize their homes, or r...
Grant for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet adaptive...
Grant for eligible veterans with service-connected disabilities to modify a home to accommodate their disability. Covers...
Illinois Shines provides performance-based incentives for residential solar installations. Incentives are higher for inc...
Federal tax credit equal to 30% of the cost of installing a solar energy system (including battery storage if charged by...
Rebate for ComEd customers who install qualifying energy-efficient air-source or ground-source heat pumps. Enhanced reba...
Instant rebate on qualifying ENERGY STAR certified smart thermostats purchased from participating retailers or installed...
Critical home repair program for income-qualified DuPage County homeowners, with priority for seniors and persons with d...
Grant assistance for income-qualified Naperville homeowners to repair or replace failing sewer laterals. Priority given ...
Low-interest loan program to help Illinois homeowners repair or replace failing septic systems. Available through partic...
State-funded owner-occupied rehabilitation program providing forgivable loans for major home repairs and improvements. L...
Illinois seniors age 65+ with household income under $65,000 can defer property tax increases above previous year's amou...
Federally-funded HOME program providing forgivable loans for major home repairs to income-qualified DuPage County homeow...
Rebate for Nicor Gas customers who install qualifying high-efficiency natural gas water heaters (0.67 UEF or higher) or ...
Matching grant program for owners of properties in Naperville's historic districts or designated landmarks to assist wit...
Emergency assistance for income-qualified DuPage County residents facing heating emergencies. Helps with furnace repair ...
Illinois residents can order free short-term radon test kits to test their homes. While mitigation costs are not covered...
Rebate for ComEd customers who install ENERGY STAR certified windows and doors. Available for qualifying replacement win...
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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30 programs are currently listed for Naperville, 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 Naperville, 18 programs do not require repayment, 3 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.