Find grants, rebates, forgivable loans, and free programs for Oswego, IL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oswego, IL, with individual awards up to $126,526. 6 programs target seniors, 3 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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...
State-funded weatherization program that provides free energy efficiency upgrades to income-qualified households. Servic...
Provides forgivable loans for accessibility modifications to homes for elderly or disabled Illinois residents. Covers ra...
Free lead hazard reduction services for Illinois homes built before 1978 where a child under age 6 resides or regularly ...
ComEd customers can receive rebates on qualifying energy efficiency upgrades including insulation, air sealing, HVAC sys...
Nicor Gas customers in Oswego can receive rebates for installing high-efficiency furnaces, boilers, water heaters, and o...
Income-qualified ComEd customers can receive free energy efficiency upgrades including LED bulbs, smart thermostats, wea...
Provides emergency and critical home repair grants for Oswego seniors age 62 and older with income at or below 100% area...
CDBG-funded program providing forgivable loans for comprehensive home rehabilitation to low-income homeowners in unincor...
Emergency grant program for Kendall County homeowners facing urgent health and safety threats requiring immediate repair...
Cost-share program for repair or replacement of failing private sewer laterals connecting homes to the Village's sanitar...
Low-interest loans and grants for very-low-income rural homeowners to repair, improve, or modernize homes or remove heal...
Grant for veterans with certain service-connected disabilities to purchase or modify a home to meet their adaptive needs...
Grant for veterans with certain service-connected disabilities to adapt a family member's home where the veteran resides...
Comprehensive weatherization services for income-qualified Illinois households including insulation, air sealing, furnac...
HUD HOME-funded program providing forgivable loans for comprehensive rehabilitation of owner-occupied homes. Covers majo...
Illinois Shines provides upfront incentives for residential solar installations in ComEd territory. Incentives calculate...
Illinois homeowners age 65 or older during the tax year can claim an exemption reducing their home's assessed value by $...
Illinois homeowners who are classified as disabled under Social Security or Railroad Retirement disability standards can...
Illinois veterans with at least 30% service-connected disability or who have been awarded special compensation for loss ...
Income-qualified Nicor Gas customers can receive free or heavily discounted natural gas appliances and efficiency upgrad...
Federal tax credit covering 30% of the cost of installing solar panels and battery storage systems on residential proper...
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 Oswego, 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 Oswego, 19 programs do not require repayment, 3 are forgivable loans, and 2 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.