Find grants, rebates, forgivable loans, and free programs for O'Fallon, IL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in O'Fallon, IL, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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 weatherization improvements to income-eligible Illinois households, reducing...
Provides forgivable loans to Illinois homeowners for accessibility modifications to accommodate persons with disabilitie...
Provides grants to remove lead-based paint hazards in homes built before 1978 with children under age 6. Priority given ...
CDBG-funded program providing forgivable loans for major home repairs to owner-occupied homes in unincorporated St. Clai...
Ameren Illinois electric customers can receive rebates for installing high-efficiency HVAC equipment including central a...
Rebates for Ameren Illinois electric customers who add insulation to attics, walls, or crawl spaces. Includes rebates fo...
Ameren Illinois customers can receive rebates for purchasing and installing qualifying smart thermostats that optimize h...
Free home energy assessments and efficiency upgrades for income-qualified Ameren Illinois customers. Services include LE...
Rebates for Ameren Illinois electric customers who purchase and install qualifying high-efficiency electric water heater...
Illinois Shines program provides Solar Renewable Energy Credits (SRECs) for residential solar installations. Homeowners ...
USDA program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, im...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Helps veterans with certain service-connected disabilities adapt their family member's home or their own home to meet ac...
Provides minor home repairs and modifications to low-income seniors age 60 and older in St. Clair County. Focuses on rep...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system, including solar panels and ...
Illinois Senior Citizens Assessment Freeze Homestead Exemption freezes property tax assessments for eligible seniors age...
CDBG-funded assistance for low-income homeowners in St. Clair County who need to repair or replace failing sewer lateral...
Previously provided mortgage payment assistance and principal reduction to Illinois homeowners impacted by economic hard...
HUD HOME-funded program providing deferred-payment loans for substantial home rehabilitation to low-income homeowners in...
Free weatherization kit for Ameren Illinois customers containing LED bulbs, faucet aerators, outlet gaskets, weather str...
Provides grants to low-income homeowners in St. Clair County to make ADA-compliant accessibility modifications for house...
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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25 programs are currently listed for O'Fallon, 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 O'Fallon, 17 programs do not require repayment, 3 are forgivable loans, 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.