Find grants, rebates, forgivable loans, and free programs for Owatonna, MN, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Owatonna, MN, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 services provided through Steele County to improve home energy efficiency for income-qua...
CDBG-funded rehabilitation grants for owner-occupied homes in Owatonna city limits. Provides major repairs including roo...
Provides emergency home repair grants for critical health and safety issues in owner-occupied homes in Owatonna. Address...
CDBG-funded accessibility modifications for owner-occupied homes where a household member has a documented disability. C...
Rebate for installation of energy-efficient air-source or ground-source heat pumps in homes served by Owatonna Public Ut...
Rebate for installation of qualifying electric water heaters or heat pump water heaters in homes served by Owatonna Publ...
Rebates for ENERGY STAR certified appliances including refrigerators, clothes washers, and dishwashers for OPU electric ...
Rebate for purchasing and installing qualifying smart thermostats in homes served by OPU. Smart thermostats optimize hea...
Rebate for purchasing qualifying ENERGY STAR LED light fixtures and bulbs for residential customers. Helps reduce lighti...
State-funded lead hazard reduction services for homes built before 1978 in Steele County where children under age 6 resi...
Zero-percent interest rehabilitation loans for owner-occupied homes statewide through Minnesota Housing Finance Agency. ...
Federal grants up to $10,000 and loans up to $40,000 for very low-income homeowners in eligible rural areas to remove he...
Grant for veterans with certain service-connected disabilities to purchase or modify a home to meet their disability-rel...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Covers modificati...
State grant for homeowners replacing failing septic systems to protect groundwater quality. Available through Steele Cou...
Federal HOME funds for rehabilitation of rental properties in exchange for rent and income restrictions. Owner must agre...
Low-interest loan program for Minnesota homeowners age 55+ to make repairs and accessibility modifications that enable a...
State property tax relief for homeowners whose property taxes are high relative to their income. Refund amount based on ...
Federal assistance for home heating and cooling costs for low-income households in Minnesota. Regular program provides a...
Rebate for installation of qualifying high-efficiency natural gas furnaces or boilers for CenterPoint Energy customers i...
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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24 programs are currently listed for Owatonna, 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 Owatonna, 15 programs do not require repayment, 1 is forgivable loan, and 6 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.