Find grants, rebates, forgivable loans, and free programs for Pontiac, MI, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Pontiac, MI, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 14 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...
Provides free energy efficiency improvements to income-eligible households in Michigan, including insulation, air sealin...
Provides forgivable loans to low-income Michigan homeowners for critical home repairs that address health, safety, and c...
CDBG-funded deferred loan program for low-income Pontiac homeowners to address major health and safety deficiencies. Loa...
Provides emergency home repair grants for very low-income Pontiac homeowners facing urgent health and safety issues. Cov...
Provides financial assistance to Oakland County homeowners for repair or replacement of leaking water service laterals (...
Provides 50% cost-share assistance to Oakland County homeowners for repair or replacement of failing sewer service later...
Provides grants to low-income Oakland County homeowners with disabilities or seniors needing home modifications for acce...
Free in-home energy assessment for DTE Energy customers. Includes installation of free energy-saving devices (LED bulbs,...
Cash rebate for DTE Energy natural gas customers who purchase and install a qualifying high-efficiency furnace (95% AFUE...
Cash rebate for DTE Energy electric customers who add qualifying insulation to their home. Covers attic, basement, and c...
Cash rebate for DTE natural gas customers who purchase and install a qualifying high-efficiency natural gas water heater...
Cash rebate for DTE Energy electric or natural gas customers who purchase and install a qualifying smart thermostat. Sma...
Income-qualified DTE customers can receive free or heavily discounted furnace and air conditioning replacement if their ...
Michigan state tax credit that helps low-income homeowners and renters pay heating costs. Credit amount is based on hous...
Low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural areas to repa...
Helps veterans with certain service-connected disabilities build, buy, or modify a home to meet their adaptive needs. El...
Helps veterans with certain service-connected disabilities adapt a home they already own or in which they will live. Eli...
Low-interest financing for Michigan homeowners to make energy-efficient improvements including solar panels, insulation,...
Federal tax credit for homeowners who install solar photovoltaic systems. Covers 30% of total system cost including equi...
Provides free lead hazard assessments and abatement services to Michigan homes where a child under 6 has an elevated blo...
Provides emergency home repair grants to Oakland County homeowners age 60 and older with moderate income. Covers critica...
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 Pontiac, 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 Pontiac, 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.