Find grants, rebates, forgivable loans, and free programs for Oak Lawn, IL, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oak Lawn, IL, with individual awards up to $126,526. 7 programs target seniors, 2 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 | 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 providing free energy efficiency improvements to income-qualified Illinois households. Services...
Forgivable loans for accessibility modifications to homes occupied by persons with disabilities. Improvements can includ...
Grant assistance for owner-occupied homes requiring sewer lateral repairs or water service line replacements in Cook Cou...
Rebates for energy-efficient upgrades including insulation, air sealing, HVAC systems, smart thermostats, and LED lighti...
Rebates for high-efficiency natural gas furnaces, boilers, water heaters, and smart thermostats. Available to all Nicor ...
Free whole-home energy efficiency upgrades for income-qualified ComEd customers. Services include LED bulbs, refrigerato...
Illinois Shines provides upfront incentives for residential solar installations. Income-qualified households receive enh...
Low-interest loans and grants for very low-income homeowners age 62+ to repair or improve their homes. Grants up to $10,...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessibil...
Grants for veterans with certain service-connected disabilities to adapt a home for accessibility. Available for veteran...
Federal HOME Investment Partnership funds for comprehensive home rehabilitation for low-income owner-occupied households...
CDBG-funded comprehensive home rehabilitation for low-income owner-occupied homes in Oak Lawn. Covers major systems, str...
Grant program for Oak Lawn homeowners age 65+ to address minor home repairs and safety improvements. Helps seniors age i...
Grant for home accessibility modifications for Oak Lawn residents with disabilities. Covers wheelchair ramps, grab bars,...
Emergency grant for water heater replacement when existing unit fails and poses health/safety risk. Available to low-inc...
Deferred-payment loan for major foundation and structural repairs to Oak Lawn owner-occupied homes. No monthly payment r...
State-funded lead hazard reduction for homes built before 1978 with children under age 6. Free lead inspection, risk ass...
Rebates for installation of electric heat pumps in Illinois homes. Enhanced rebates for income-qualified households. Sta...
Rebate for installation of Level 2 electric vehicle charging equipment at single-family homes. Available to all ComEd cu...
Free or low-cost energy efficiency upgrades for Cook County homeowners. Includes home energy assessment, air sealing, in...
State assistance for home repair and rebuilding after federally declared disasters. Activated only after FEMA disaster d...
Illinois Senior Citizens Assessment Freeze Homestead Exemption freezes property taxes for qualifying seniors age 65+ wit...
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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26 programs are currently listed for Oak Lawn, 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 Oak Lawn, 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.