Home Improvement Grants in Naugatuck.

Find grants, rebates, forgivable loans, and free programs for Naugatuck, CT, filtered to your situation.

As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Naugatuck, CT, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 13 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 $35,000 forgivable loan

Naugatuck CDBG Owner-Occupied Rehabilitation Program

CDBG-funded forgivable loan program for income-qualified homeowners in Naugatuck to make major health, safety, and code ...

Home Repair
Up to $10,000 grant

Naugatuck Emergency Home Repair Grant

Emergency grant assistance for very low-income homeowners facing immediate health and safety hazards. Priority given to ...

Emergency
Up to $15,000 grant

Naugatuck Accessibility Modification Program

Grant assistance for accessibility modifications to homes occupied by persons with disabilities or elderly residents. Co...

Seniors & Disability
Up to $8,000 in weatherization services

Connecticut Weatherization Assistance Program (WAP)

State-administered federal weatherization program providing free energy efficiency upgrades to income-qualified househol...

Weatherization
Competitive mortgage rates plus down payment assistance

CHFA Home Buyer Mortgage Program

CHFA offers competitive mortgage loans with down payment assistance for first-time and repeat homebuyers in Connecticut....

Homebuyer
75% rebate on approved upgrades

Eversource Home Energy Solutions

Comprehensive home energy assessment and rebates for insulation, air sealing, and HVAC upgrades. Eversource covers 75% o...

Energy
Up to $10,000 in heat pump rebates

Eversource Heat Pump Rebate Program

Rebates for installing ductless mini-split or central heat pump systems. Incentives vary by system type and efficiency r...

Energy
Performance-based solar incentives

Connecticut Solar Incentive Program (RSIP)

Connecticut's Residential Solar Investment Program provides upfront incentives and performance-based payments for roofto...

Solar/Renewable
Free lead abatement services

Connecticut Lead Hazard Abatement Program

State-funded lead hazard reduction services for homes built before 1978 where children under age 6 reside or regularly v...

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

USDA Section 504 Home Repair Loan & Grant

Very low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or moderni...

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

VA Specially Adapted Housing (SAH) Grant

Grants for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. Designed...

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

VA Special Housing Adaptation (SHA) Grant

Grants for veterans with certain service-connected disabilities to adapt a home to meet their needs. Designed for vetera...

Veterans
Loans up to $50,000

Energize Connecticut Smart-E Loan

Low-interest financing for energy efficiency and renewable energy improvements. Unsecured loans from $500 to $50,000 wit...

Energy
Property tax reduction varies by income

Connecticut Elderly Tax Relief Program

Connecticut state-mandated property tax relief program for qualifying homeowners age 65 and older. Provides reduction in...

Property Tax Relief
Finance purchase plus repairs in single mortgage

CHFA Rehabilitation Mortgage Program

FHA 203(k) rehabilitation mortgage program allowing homebuyers to finance both purchase price and rehabilitation costs i...

Home Repair
100% free energy upgrades

Eversource Home Energy Solutions - Income Eligible

Comprehensive no-cost energy efficiency services for income-qualified Eversource customers. Includes insulation, air sea...

Weatherization
Up to $750 rebate

Southern Connecticut Gas Heat Pump Water Heater Rebate

Rebate for installing an ENERGY STAR certified heat pump water heater to replace electric or gas water heating. Reduces ...

Energy
Up to $100 rebate

Southern Connecticut Gas Smart Thermostat Rebate

Rebate for purchasing and installing qualifying smart or programmable thermostats. Must be used with natural gas heating...

Energy
Up to $850 rebate

Southern Connecticut Gas High-Efficiency Furnace Rebate

Rebate for installing a high-efficiency natural gas furnace (95% AFUE or higher). Reduces heating costs and improves hom...

Energy
30% of system cost as tax credit

Federal Residential Solar Tax Credit (ITC)

Federal tax credit covering 30% of the total cost of installing a residential solar energy system, including panels, inv...

Solar/Renewable
Up to $20,000 forgivable loan

Naugatuck Septic System Repair Program

Forgivable loan program for repair or replacement of failing septic systems for income-qualified homeowners. Loan is for...

Home Repair
Up to $7,500 grant

Naugatuck Water Service Lateral Replacement Program

Grant assistance for replacement of failing private water service laterals connecting homes to the public water main. Pr...

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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