Find grants, rebates, forgivable loans, and free programs for Oxford, MA, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oxford, MA, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 16 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 13 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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 weatherization program that provides free energy efficiency improvements to income-qualified households...
Comprehensive home energy assessment with free instant energy-saving measures and rebates on insulation, air sealing, an...
Rebates for qualifying air-source and ground-source heat pumps for heating and cooling. Includes whole-home ductless min...
Solar Massachusetts Renewable Target (SMART) program provides per-kilowatt-hour incentive payments for residential solar...
Low-interest loan program for septic system repair, replacement, or upgrade to meet Title V compliance. Fixed interest r...
State-funded lead paint removal for homes where a child under 6 with confirmed lead poisoning resides. Program covers fu...
Zero-percent interest loan for lead paint removal in owner-occupied 1-4 unit homes built before 1978. Loan is deferred a...
Low-interest loan for accessibility modifications to accommodate residents with disabilities or seniors aging in place. ...
USDA grants up to $10,000 for very low-income seniors 62+ to remove health and safety hazards; loans up to $40,000 at 1%...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home for independent living. E...
Grant for veterans with certain service-connected disabilities (such as blindness in both eyes or loss or loss of use of...
Massachusetts offers rebates for purchase or lease of new electric vehicles. Standard rebate is $3,500 for battery elect...
Low-interest loan program for residential solar PV and battery storage systems. Fixed interest rates and terms up to 12 ...
Rebates for ENERGY STAR certified appliances including clothes washers, dryers, refrigerators, dishwashers, and water he...
Zero-percent interest loan for repair or upgrade of failed septic systems or connection to municipal sewer systems in Ma...
HOME and CDBG-funded rehabilitation program for low-income homeowners in Worcester County communities including Oxford. ...
Refundable state income tax credit for seniors 65+ to offset residential property taxes or rent. Credit equals 50% of ac...
State and federal tax credits totaling 40% of qualified rehabilitation expenditures for income-producing historic buildi...
Monthly discount on electric bills for income-eligible National Grid customers. Provides 25% discount on electricity sup...
Federally-funded heating assistance for income-eligible households in Massachusetts. Provides direct payments to heating...
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 Oxford, 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 Oxford, 13 programs do not require repayment, 2 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.