Find grants, rebates, forgivable loans, and free programs for Palatine, IL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Palatine, IL, with individual awards up to $126,526. 6 programs target seniors, 2 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 | 17 | 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 for income-eligible Illinois households. Provides comprehensive energy-efficienc...
Provides forgivable loans for major home repairs to income-qualified Illinois homeowners. The loan is forgiven after 10 ...
State-funded program providing free lead hazard inspections and abatement for homes built before 1978 where children und...
ComEd offers instant rebates up to $120 for qualifying smart thermostats purchased through the Marketplace. Smart thermo...
Free in-home energy assessment with installation of LED bulbs, advanced power strips, and other energy-saving products a...
Rebates for upgrading to a qualifying high-efficiency natural gas furnace. Rebate amounts vary based on furnace efficien...
Rebates available for purchasing and installing qualifying high-efficiency natural gas water heaters. Tankless and stora...
Rebates for upgrading to high-efficiency central air conditioning systems or heat pumps. Rebate amounts vary based on sy...
Provides grants to low- and moderate-income Illinois homeowners to make accessibility modifications for household member...
Free snow removal service for Palatine residents age 65+ or disabled who are unable to clear their own sidewalks. Servic...
USDA provides low-interest loans up to $40,000 and grants up to $10,000 for very-low-income homeowners in eligible rural...
Grant for eligible Veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. ...
Grant for Veterans with certain service-connected disabilities to adapt a home for independent living. For Veterans who ...
Provides forgivable loans up to $30,000 for eligible homeowners in unincorporated Cook County and participating suburbs ...
Comprehensive energy-efficiency upgrades at no cost for income-qualified ComEd customers. Services include insulation, a...
Free weatherization services for income-qualified Nicor Gas customers including insulation, air sealing, furnace repair ...
State incentive program for residential solar installations. Provides upfront incentives for installing solar panels bas...
Provides solar panel installations at no upfront cost to income-qualified Illinois homeowners. Participants receive imme...
Low-interest loan program for Palatine homeowners to repair or replace private sewer laterals. Loan is repaid through qu...
Emergency home repair grants for Palatine residents age 60+ with limited income. Covers critical health and safety repai...
Emergency grant for income-qualified Palatine homeowners to replace failed water heaters. Provides energy-efficient repl...
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 Palatine, 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 Palatine, 17 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.